milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed with Equifax on two different time frames regarding my public record. I did not file for bankruptcy. I contact the BK court house and they informed me, they do not provide any information to the credit bureau, and they are not held responsible for inacurate information that maybe collected by third parties. Equifax is in vilation of Fair Credit Reporting Act 623 ( a ) ( 3 ). I never filed for bankruptcy and this public record needs to be deleted permanently, from my credit report. My next step is to file smal claims. I also, sent the Equifax XXXX XXXX, CEO a copy of my dispute letter. 
Equifax, has not verified nor validated the bankruptcy, providing my signature at the bankruptcy court house, the court house does n't communicate to the che credit bureaus. I

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit card () with SUNTRUST BANKS, INC. (CA).
Issue: Closing/Cancelling account

Complaint: A SunTrust credit card was opened in my business name. I do not have records of me opening the card, I have never used the card, I did n't even know I had the card. SunTrust shut my card down ( I moved and did not receive the statements ) and reported it, now they are saying I owe almost {$300.00} and they have reported it and now my score is affected. I started calling in XX/XX/XXXX after I moved to try and cancel my account, that was when I was informed that there was an overdraft that I would have to pay to close the account - which I did. Then all of a sudden I receive this bill for almost {$300.00} and they said they have reported me and have tried calling - I live on the XXXX XXXX now, I never had any messages from SunTrust. The missed calls I had were all either when I was sleeping and working - and again, they never left a message. They have lost records of me calling and trying to fix this - since XX/XX/XXXX - and the last conversation I had - this morning starting at XXXX am and spanning multiple calls, including XXXX for over an hour and a half - resulted in NOTHING happening. They have not helped me resolve this in any way. I should not be paying for a card I had no knowledge of and never used - in money or on my credit score. Their customer service has been horrendous in handling this, with their reps arguing with me and withholding information. I did n't even know the credit card existed until XXXX this morning when FINALLY someone at a branch in FL told me. This has been a complete nightmare.

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 06/13/2017 about Debt collection (Payday loan debt) with Delbert Services (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX / XXXX / 17  I got a call from  XXXX  and  XXXX  left a voicemail stating to call  XXXX  about a debt owe. I was asked to call  XXXX  ext  XXXX . After advising  XXXX  I currently have no money to give but do feel I owe the debt, not sure of the amount  XXXX  proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised  XXXX  if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.

Company response to consumer: Untimely response
Consumer complaint received 10/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was XXXX at the time when I originally got XXXX XXXX loans ( now Navient ). They gave me multiple private loans one for {$3000.00} with a cosigner and one for {$7000.00} for myself. I was current on my loans for many years. Then in XXXX 2013 was in a serious car accident that XXXX XXXX XXXX XXXX XXXX XXXX I was going from making {$42000.00} a year to making XXXX. Right after my accident my credit plummeted I obviously was unable to pay nothing as I XXXX and learned things such as how to dress and shower myself. All of the other loan companies worked with me and eventually XXXX my loans through XXXX and XXXX XXXX. All except XXXX, they were completely unwilling to work with me on my loans or even lower my payments which was eventually $ XXXX month by then. I told them countless times I was not working, but I im in a VR assistance program ( still am ) trying find gainful employment. I asked them to make payments more reasonable but they said there was nothing I could do. They called so many times. When i was n't able to pay my lower loan of {$3000.00} the continually harrassed me and my cosigner who was also going through a financial difficulty after XXXX her husband. Still the harassing of my cosigner and me continued. They never stopped calling, at times I felt just like XXXX. They were so harassing. When I answered i would say I 'm XXXX I ca n't pay the now {$600.00} they wanted. They also said forbearance was n't an option and I pleaded with them their response was " it 's out of our hands ''. I said again I ca n't pay this stop calling. Still I got XXXX XXXX to XXXX harassing phone calls telling me of my delinquencies and that i needed to pay up. They often changed their numbers including area codes and I told them countless times I was not able to pay. Currently Navient has a charge off on my credit that is increasing monthly and is at the amount of {$17000.00} while i get XXXX and still search for a job - I ca n't pay this! Navient has completely ruined my credit and their shady practices need to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.

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 10/25/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: On Saturday, XX/XX/2016 I tried paying auto note via phone but given automation. Disconnected me. I tried a second time. Told note {$430.00} rather than {$350.00}! Called again today, XX/XX/2016, and spoke to Wells Fargo XXXX to clarify why the increase. 
Told by that office and XXXX of the XXXX that late charges of {$79.00} added. I asked why when her office had set up XXXX of each month to make payments rather than XXXX. I have not gotten the results promised by Wells Fargo XXXX as also told CFPB. No record of " XXXX '' changing payment due date to XXXX said XXXX in XXXX of the 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 08-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied online for a credit card from Walmart through the linked website of XXXX XXXX, Creditor XXXX XXXX XXXX XXXX XXXX, FL XXXX I was denied due to an " insufficient credit history on file ''. 

It seems to me, if a credit history was needed, I could have been given the opportunity to provide credit references, as they do not appear on the XXXX Credit Report the Bank used for reference, nor on the initial application for the credit card.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction   ( s   ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  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 05-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account does not belong to me. I have no idea where this came from but this definitely is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, I 'm extremely upset. I settled the debt in full and now has a XXXX balance and they refuse to send me my letter stating it 's been paid in full and send to Credit Bureaus that this dept now has a XXXX balance and has been paid in full. This is an issue, they are not doing what they should when a dept is paid. 

Please have them fix this right away. It 's affecting my family and i financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Asking to speak to our deceased son. 

Refusing to identify the nature of the call. 

This is the second time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Settlement process and costs

Complaint: I represent buyers of a home owned CVF III Mortgage Loan Trust II ( hereinafter CVF ). CVF is the owner as a result of a large securities purchase from Ocwen Loan Servicing , LLC . As part of this transaction Ocwen must provide a quit claim deed to CVF that would provide CVF with the proper authority to sell the property to my client per the contract we signed XXXX/XXXX/2016. A quit claim deed was sent to Ocwen on XXXX/XXXX/16 for execution. As of today they have still not executed the Quit Claim Deed. My client was scheduled to close on XXXX/XXXX/16. As of the end of this week he has no where to live and was relying on the seller 's to provide clean title as of this date. CVF has been working diligently and requesting the executed quit claim deed from Ocwen daily for the last 5 weeks. Ocwen can not provide a reasonable explanation for the delay and is almost certainly in default of their contract to sell the security for not providing the Quit Claim Deed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/2018 I was loooing for a company to borrow a XXXX $ from quickly. I filled application out on line and a man called me we talked about the loan And he told me Id pay it back every 2 weeks on my payday and the fee was XXXX $ to borrow the XXXX $ so the total amount was XXXX to pay back. The first payment came out and I paid XXXX $ and then I got a email saying I owed XXXX XXXX So I looked on line first and it has a place to see payment schedule but when you try to open that page the website wont let you look at it. So Ive called 2-3 times and cant get anyone to answer phone I used the chat service online and was transferred to service department and no one ever responded. I dont know how to get out from under this loan now. I made the 2nd oaymen And now I owe XXXX $ And Ive already given them XXXX $ toward a XXXX $ Loan. Each 2 weeks with this large payment only XXXX goes toward principal. Such a rip off. I was told the loan total to pay back was XXXX now its going to take thousands to pay back and I cant even see exactly what the true payment schedule is. Im willing to pay the principal off immediately and be done with this horrible company I do not want to give them anymore of my money for what they call fees

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX illegally took from my bank account at XXXX XXXX bank {$1800.00} on XXXX XXXX, XXXX. They did not notify me ahead of time of the action taken and if I did have the right to dispute the money taken from my bank account. Also, I never received any legal order before XXXX XXXX XXXX taking the money. The money that they took from my bank account had been recently deposited from the social security because I recently came XXXX due to a XXXX XXXX. XXXX XXXX XXXX not only has affected me economically leaving my bank account in {$0.00} but also has affected my health. Since I have been having a very difficult situation for several years. I tried to solve the issue calling them several times as well as XXXX XXXX bank, even going on person but all they did was laugh at my requests. Please take action as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I deposted XXXX XXXXitcoins ( ~ {$90000.00} ) worth from an external wallet to XXXX ( Coinbase 's trading platform ), and I got an email from Coinbase saying they received it.

Then, I get consecutive emails of them saying I have to move it from Coinbase to their trading platform manually. Finally, a last email saying they 've actually moved it to the exchange for me so I can trade it. 

It 's nowhere to be found. It 's still pending. What should be an instant transfer is not going through and nowhere to be found. 

It 's like moving money from your Checking account to your Savings account and not finding it anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I filed a complaint against Experian because I noticed several unauthorized inquiries on my credit report. I also DEMANDED that Experian investigate and show proof of verification. On Today, I received a response from Experian claiming those inquiries were verified, but I wasnt send proof of how they were verified. Im aware of my rights and according to FCRA, inaccurate and unauthorized information should NOT be on my credit report. Experian must show me proof of what they used to verify these inquiries or REMOVE them immediately. I have rights to be allowed to see the proof of verification and if there isnt any then these inquiries should be REMOVED. You must be able to prove that these inquiries are valid. I feel as though my rights have been violated because there are inquiries on my credit that simply does not belong to me therefore, they should be REMOVED. I have a fraud alert on my credit report, so I shouldve been contacted about these inquiries but I wasnt. The inquiries needed to be removed are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 01-05-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed and account that at I had due to pay day loans that were not submitted by be. When they closed the account they placed some type of alert on the account keeping me from banking with them or their affiliates. In addition, I had an open identity theft case in Oregon and had went through a divorce that ended in my ex husband going to XXXX for fraud ; I am not sure if he or my sister who also used my information fraudelantly who also XXXX for the same thing and same charge. Since their releases from XXXX I have not been able to have a bank account.

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