milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I just telephoned Navient a few moments ago. I asked them kindly to remove my mom and my ex-brotherinlaw from my private loans. I also requested they lower my interest rates on all XXXX private loans and to please consolidate my loans into XXXX. They said no they do n't consolidate and refused to lower interest rates or remove my mother and ex-brotherinlaw. I currently owe {$33000.00}. I owe more than I borrowed and this is now the forth time I 've requested assistance from them. They are unhelpful and unyielding assisting. I strongly feel I 'm being taken advantage of. The last time I called to try and lower my payments, they requested my mothers and my ex-brotherinlaws income. I found that awkward and when I asked why, I was informed Navient would have to take into account their income as well, although they are only co-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear XXXX XXXX, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the XXXX XXXX XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).

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 05-01-2017 about Debt collection (Payday loan debt) with Real Time Resolutions, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: my name is  XXXX   XXXX  and I saw that real time solutioins was on my credit I have never gotten anything in the mail saying that I owed them so I looked into it it was a company check and go I had paid them in    2014  because I had a  XXXX  so I called all of the credit bureus and I told them to disputed them because I paid them I even went to the company and my name was not in the system any more so I called real time because they sent something to the credit bureus saying its was mine but I do n't they were very nasty arguing with me I even stated I will get a lawyer but I know I paid them and I was just trying to get them to listening to me but they would n't

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( Trans Union ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called Experian XXXX/XXXX/16 and tried to delete some incorrect personal information from my credit reports and they refused to which I do know is a violation of the FCRA. There are many incorrect addresses reporting on my credit report as well as phone numbers and employers. They even told me to file a police report for fraud which I know nothing about. 

I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that they are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted.
To this day I have heard nothing, and my credit file continues to show that I owe on this 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
Consumer complaint received 03/30/2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Delinquent account

Complaint: I have an old paypal account on my credit report that I do n't know why it is there and want it removed. I have a PayPal account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: In spite of the fact that month by month I 've been lowering the balance on a particular credit card, the credit-card company charges me ( minimum paymen t ) more  and more each month. I tried calling them to ask them to reduce the minimum payments per month, but I got a run around and was told " It 's because the interest charged goes up each month. '' Yes, that 's true, but that along with any charges on my card is covered by each month 's minimum payment. They wo n't listen to me. Now, I am on a very low fixed income, and though some months I have had some extra earned income, the last few months that income has dropped to nearly  XXXX , thanks to the economy. My last payment to this card, on  XXXX / XXXX / 2017 , was {$200.00}. After paying that and other bills on  XXXX / XXXX / 2017 , I have almost nothing left to cover my food, medications, and other necessary expenses for  XXXX . I desperately need help in holding those payments to no more than $  XXXX /month for a while, less if possible. Can you act as an intermediate or ombudsman to help in this matter?

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 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . 
can not VALIDATE my loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2015 My father after 10+ years of perfect payments to Bank Of America got the devastating news my mother would have to be put in XXXX because her XXXX XXXX was progressing quickly. My Fathers XXXX could no longer maintain or afford their dream home any longer. Being a man of integrity, he contacted them immediately and told them they could no longer afford the home and my mother could no longer navigate the stairs. I am a realtor, I immediately got the POA 's that were necessary and started trying to assist BOA in the process of a " short sale '' as to keep them form losing any more money and to respectfully release my father from the incredible stress. This was the plan of action we chose. Since that date we have now spoken to XXXX individuals, we 've sat and watched my fathers state of mine and financial future damaged beyond repair, we lost my mother XX/XX/2015, we received an incredible short sale offer on the home that was not even submitted until 2 months later, had over XXXX showings and the home continues to deteriorate, no phone calls to me personally have been returned, Bank Of America has not represented the company in a professional manner nor have they shown compassion or tried to rectify the matter on a timely basis, we are in the XXXX month of dealing with a process that has taken less than 90 days with other banking institutions and we just got turned over to XXXX new contacts that have yet to perform any better. BOA has caused unnecessary stress on my father, my realtor and shown poor care for their own company. If they are doing to my father at the age of XXXX, they are doing it to XXXX others. It is a travesty no one should have to deal with especially when the seller has made every attempt to do the " right '' thing even though my mothers illness and passing caused the extreme challenge. Shame on BOA and their leadership. They have cost their company probably XXXX dollars because of their antiquated systems and poor judgement. This is in my opinion fraud.

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 01/19/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Billing disputes

Complaint: This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA XXXX It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my TransUnion credit report, there are two hard inquiries from " XXXX via XXXX  XXXX ''. 

One of them happened on XX/XX/XXXX. I have confirmed with XXXX XXXX  that this inquiry is for the other person, who is wrongly recognized as me. I've explained this to XXXX and sent TransUnion my email with XXXX XXXX last year. But it seems that the hard inquiry has not been removed yet. 

Today, I just found that there's such a hard inquiry again. I really have no idea whom I should ask for help from to remove these two hard inquiries. I am always living in the same place from XX/XX/XXXX, so it is obviously impossible that I'm looking for somewhere new.

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 10-06-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (HI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have a credit card from First national bank of Omaha, which I have been actively using since the day I obtained it. I have always made regular payments to this card without ever being late or delinquent. 

I recently tried to use the credit card at a store but my card was declined, I assumed this would be some issue with the terminal there, so I paid using cash. 

Later I got a letter from the bank ( dated XXXX, 2017 ) saying that they observed some unusual activity on my account and they have blocked my credit card temporarily. I was also asked to call on a phone number mentioned on the letter to get this issue resolved. When I called the bank on XXXX XXXX 2017, I was told that they can not provide me any information or explanation as to why the card was blocked, and I need to fax them my state ID, SSN and a utility bill. They also refused to send me a written or email communication asking for these documents. 

I am not comfortable sending all these documents to the bank, I am also having a hard time making payments since the credit card no longer works. 

I would really appreciates if CFPB could look into this matter and help me get this issue resolved with the bank

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 11/14/2015 about Credit card () with Continental Finance Company, LLC (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My card with Continental Finance was compromised about a year and a half ago, and the issue had been cleared up. About six months later my card was charged again by the same company from the first time. I was told when I called that the fraud department would be sending me an affidavit, and I told the company I also needed a copy of my bill ( I could not log on the website to see which charges were mine and which were fraud ). I called them back weeks later to report that nothing ever showed up, and they said they would resend it. By the third phone call, I asked for the dates they sent these documents, and apparently " that information was not in my account. '' I asked them to once again send both the affidavit and the bill. While waiting again for them to send this information, I learned that they had sold off my account to a collection agency when I got a call from a lawyer representing the agency. I immediately called Continental Finance and talked to a supervisor ( XXXX, I believe ) who proceeded to tell me that they " should not have sold the account off because there was fraud on the account. '' He said he was going to email the collection agency to " get it back. '' Another month went by and I heard nothing. I called again and was told that the company had not responded and that they ( Continental Finance ) will send another email. I asked them to carbon copy me on any email that goes out and was told they can not do that. I also asked for the collection agency 's phone number and was told I could not be given that information, either. I waited another few day but still nothing, but I did get a " final call '' from the 3rd party lawyer. I told lawyer 's representative that I was still trying to work out the fraud issue with Continental Finance and was told there is nothing about fraud recorded on my account. I asked her to tell me what the email correspondence from the credit card company to the collection agency said, and I was told " there has been no correspondence '' from the company at all. I am filing this complaint because it is clear Continental Finance has no interest in resolving this situation and has done none of the work they claimed to be doing to help me make informed choices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6 XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS XXXX BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER

Company response to consumer: Closed with explanation