milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have requested a full account of all of the payments I have made against this loan and Navient was not able to provide. This is a loan that was taken out in 2001 and the original loan amount was for {$7600.00}. I feel as though I was pressured into getting the loan and even though I did n't not complete the program I was still obligated to pay the full amount. I owe more now that what the original loan was for, I feel like this was predatory lending and would like some kind of resolution but Navient has not been willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been a client of Equifax services for many years. Monitoring and credit reporting information which includes updates on credit score. On XXXX XXXX 2016, XXXX, a mortgage industry credit information provider, processed and verififed my XXXX credit scores from XXXX, XXXX and Equifax. All bureaus except for Equifax provided correct accurate information. Equifax provided using the same Fico score model as i there web page a score of XXXX in the report processed by XXXX and on there web page ( Equifax Web Page ) on the same date was reflecting XXXX. 
Equifax has been doing this same type of abhorrent behavior of reporting credit information and scores incorrectly for many years and have gone unpunished for FCRA violations I contacted on XXXX/XXXX/2016 Equifax with the letter provided by XXXX showing the XXXX score from Equifax and the information from Equifax own page as of XXXX XXXX credit score information reflecting over XXXX point difference. I hav been processing a financial transaction in the last 30 days so I have been monitroing my Equifax page every day for score and it has been XXXX-XXXX range during the last 30 days including XX/XX/XXXX-XX/XX/XXXX when the credit pull was effected. 
Today, XXXX/XXXX/2016, I spoke with Equifax representative and a Supervisor, both gave me the scripted answer provided to consumers who like me ask the correctness and accuracy of there reporting. Supervisor stated there is nothing he can do. This is not correct and the purpose of the FCRA is that companies and private enterprise do not abuse, cheat, lie or dupe citizens/ consumers as it relate to credit reporting ad financial transactions. 

I would appreciate your immediate action upon Equifax and that this company stops abusing federally protected consumers rights. Make immediate correction on my credit report history and score and reflect the same information as on there web page when providing information to credit information outlets fro financial transactions Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I disputed a charge on my Visa card from XXXX XXXX back in XX/XX/XXXX in the amount of {$2700.00} for a keyboard I had purchased that did not arrive in the condition it was supposed to be in. The keyboard was returned to XXXX XXXX and the amount was credited back to me. In the meantime, my Extra Points Visa Signature Card issued by Barclaycard continues to charge my account for the above stated amount despite the fact that I have complained numerous times that there was only XXXX purchase, it was returned to the merchant and I do not owe any money. I do not have anything in my possession. I was told by the agent several times that it is an error on their part and it will be escalated and removed from my account. This has not happened. Since XX/XX/XXXX, the charge continues to appear on my account. It is affecting my credit score and is wrongfully subjecting me to a liability I should not have. They are doing nothing to resolve the problem and I require assistance in getting this cleared up permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: PLEASE CAN SOMEONE HELP ME!!!! Equifax has refused, as evident by their response here, to properly address my claims against them that they have, in light of their recent " investigative results '', violated FCRA law Section 605. Account labeled under XXXX # XXXX is incorrect, fraudulently reported and in violation of FCRA law. My attorney has asked me to purse another dispute against their fraudulent claims that this account is being reported accurately. Now, in fact, they have made matters worse by re-aging this account as XXXX days delinquent as of XXXX. I want to repeat, for the hundredth time that this account is NOT reported correctly and this account needs to be removed from my credit report for its inaccuracies and false reporting. Equifax has updated an already incorrect account and has re-aged to be delinquent as recent as a month ago. I have informed them many times that this account has not been opened since XX/XX/XXXX and is a settled account and was never delinquent or in collection. Why have they re-aged this now? Do n't they understand that making it even newer than ever will impact my FICO tremendously worse? How on earth do they verify it XX/XX/XXXX!!!? It has been closed and fully paid in XX/XX/XXXX with XXXX OverPayments and never even settled with XXXX. Their actions has just recently, as of a few days ago, dropped my credit report XXXX points! Their unlawful actions must be stopped please. they are changing and altering this account to be even more inaccurate each time i dispute it, XXXX and XXXX have removed this account, as a result of their proper investigation, and yet they refuse to come to such a resolution and have been very difficult to deal with. They have continually shut me down and are now COMPLETELY refusing to process my dispute on the grounds that it has previously been disputed. I have run out of options as they are XXXX reporting it incorrectly each time and I keep trying to help them correct it and or delete it but they treat me like I am wrong, stupid and do not matter. Please, help me i can not get any loans or credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have called this company several times to let them know that i have dealt with this account directly with XXXX. XXXX has advised me multiple times to deal with them directly to resolve this matter. Now it is reporting on my credit report and i dont owe XXXX XXXX anything

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 10-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo not allowing me to work out my Single Family Owner Occupied Home they have XXXX XXXX records with the assignment of Titles on numerous times. 

I am a XXXX XXXX XXXX divorced women caring for my XXXX yr old mother and my XXXX old daughter. We all XXXX in My home i 've purchased back in XXXX Closing Took place in my Kitchen table unknown to me. I was approached by a family member in XXXX who stated i should Take a Mortgage out with Wells Fargo XXXX who became a broker for them ) and they did it within XXXX it was unfortunate and was a Adjustable Rate for high risk person ( I had a good mortgage never late with previous co XXXX XXXX 'S XXXX gave me a BAD adjustable rate and recorded XXXX 

I Need to keep my single family XXXX XXXX home and HOPE they will provide me a XXXX XXXX. I have attended a XXXX party group affordable housing hud councilor which will help and guide me to modify 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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: XXXX XXXX refuses to remove an account from my report even though the reporting company ( XXXX XXXX XXXX ) has agreed the information should be deleted and has submitted a request to all 3 agancies to do so. I have disputed the item multiple times but XXXX XXXX refuses to correct the problem. 

The other bureaus have already deleted the item.

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 07/17/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Mortgage) with BWW Law Group, LLC (MD).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: when orignal noteare challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with Gatestone & Co. International Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.

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 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Services, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Contacted legal aid and took steps advised for a debt that is not valid and in violation of fair credit act. Sent certified letter asking to please remove the debt as was not valid and requested 30 days to do so. Contacted CBC, Inc.in XXXX, montana and was told that I was refusing to pay the debt so they would mark it as so and hung up on me. 
Contacted legal aid afterwards and was directed to file complaint with your agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Trans National Credit Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Found debt listed on credit report. Sent letter stating letter to creditor listed that the debt was being disputed and validation is requested. Company sent back letter but did not receive the proper debt verification. The company listed original creditor but not amount Stated that they verified with original creditor via secured email and/or retrieval of original documentation but did not send to me. Stated that their verification process determined their debt information and final sum due as being correctly reported to them. Stated that information would remain reported to   XXXX   despite the debt was being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Credit Protection Association, L.P. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.

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 07-11-2017 about Debt collection (Other debt) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX SS # XXXX I would like an investigation for Santander Consumer USA a financial institution. Violation of Privacy Act and Anti-trust laws. Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Plaintiff purchased XXXX XXXX XXXX and the car was financed by Malfeasance in office by Santander Consumer USA Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. This information may be verified by : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Malfeasance in office by XXXX XXXX, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX  Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX This company and person conspirators worked secretly to destroy XXXX XXXX XXXX XXXX  immediate family members with negative credit and to harm life style.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On Thursday,   XXXX   XXXX  2017    I received three consecutive phone calls at   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   from (  XXXX  )  XXXX . The first  two  phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the  two  previous calls. When I answered, the phone call immediately ended. I called the number back at   XXXX   XXXX  . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name  (  first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach  [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS  PHOENIX FINANCIAL! '' a nd hung up the phone.   I called the number back at   XXXX   XXXX   and spoke with a third woman, named  XXXX   XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at  XXXX . I told her that I had just spoke to  two  people just before and would like to know who I could talk to now.  XXXX  told me that I had previously spoken to a supervisor named,  XXXX . I informed  XXXX  of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor.  XXXX  also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude  XXXX  was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: Someone stole money from accounts at both   XXXX    XXXX   XXXX  an d Wells Fargo Wac hovia Bank. I want to know how to qualify to get money back, There have been  XXXX  Civil Suits about both banks. There are several mistakes about the banks statements  XXXX  about wells fargo is they charge me several nsf fees after they stole the money if you look at the statement they stole the  XXXX  then charge me  XXXX  of bank charges .then they stole from   XXXX   XXXX   XXXX   on  XX/XX/2011    and when i went to bank and got money on  XX/XX/2011    that is not on there the the have the balance incorrect on  XXXX  balance is  XXXX  then on  XX/XX/2011    balance is  XXXX  which is incorrect they have it backwards. There was just a class action law suit file on wells fargo and i should have been  XXXX  of the people to qualify top get money back. why dont people look in the data base to see how many people have had claims file against these banks to stop this from happening there is someone who also got credit cards in my name and a house mortgage on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The hard inquires on my report I did n't request for them, have n't tried to receive no line of new credit, from credit cards are car loans are nothing like that I have over 10 inquires, have no clue where they came from,

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 02/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Hi I had my coinbase account with id XXXX and changed my phone as a result the 2FA was not working. In order to recover my account I tried to upload my new identification documentation 100s of times but the system returned " ID Unreadable ''. I then created a new coinbase account XXXX with the same Identification documents and it was recognized. I then asked Coinbase to : 1 ) Either recognize my identification documents for account XXXX OR 2 ) transfer my coinbase funds ( BTC, ETH, LTC, etc ) from my old account XXXX to XXXX - so that I could get access to my funds. 
I have been unable to access my coins / funds since XX/XX/2017. 

Several tickets have been raised for both the above requests, but till date the only response I have got it they are working on the issue, for the past 3 months I have been following up regularly but my problem is still not solved. 
1 ) Tickets to restore my old account ( XXXX ) # XXXX ( XX/XX/2017 ) 2 ) Ticket to transfer funds from old account ( XXXX ) to ( XXXX ) # XXXX - initially raised on ( XX/XX/2017 ). 

Their software easily reads my id when I create a new account, but when I try to restore my old account it fails badly. 

I have been following up almost daily on XXXX and sending reminders to help me as approx. XXXX USD amount of funds are stuck and I can not get access to the coins. 

I am ready to send them any documentation they need, they already have my mobile number and can verify my identity using SMS and my pictures. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (AL).
Issue: Struggling to pay mortgage

Complaint: I   XXXX   I was laid off a job I had for 6 years. When the lay off happened I had just purchased my home so from   XXXX   to the current I have been struggling to pay me monthly mortgage. I filed for Bankruptcy so that I could try and find a job that in the field that I was in so that I could get increase my income. I have applied for a loan modification around 4 times and now I have requested a loan forbearance for a period of time this will help me tremendously.

Company response to consumer: Closed with explanation