milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Paying my monthly mortgage payment but company is placing funds in Suspense and reporting negative and false information to credit bureaus claiming I have n't paid 2 months mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have a checking account at Chase & we were four signers from XX/XX/XXXX onwards. Without my knowledge Bank removed my daughters name as a signer. I came to know about this banking error in XX/XX/XXXX. During my daughters visit to XXXX, we went to the one of Chases branch & added her signature in XX/XX/XXXX.Later on Bank misplaced all the paperwork & I had to send them proof. 
I made complain to the executive office & wrote e mails to CEO of J P Morgan Chase on XX/XX/XXXX. 
From XX/XX/XXXX till XX/XX/XXXX nothing has been done. My XXXX adult children lives in different States &  we added their names as an added security. Chase should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied for a car loan through my employer XXXX on XXXX/XXXX/2015, I was declined because of my experian credit score which showed XXXX. Through Credit Trackers and my XXXX XXXX card I am able to constantly view all three repositories which show XXXX at XXXX XXXX XXXX & Experian XXXX therefore, my average score given was XXXX. There has been no alert to me which shows any adverse action which would lower my score and XXXX could not explain, I contacted Experian who requested that I pay a fee in order to view my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Wells Fargo told my son he could not get a student loan ... and encourage a co-sign er ... I/mother could not cosign ... because I was cosigned on the f irst one ... so my mother was asked to cosign and she did because it was the only way to get the loan as advised by WFB ... mother made many payments because my son was not able to ... but last year WFB sent two letters to my mom saying ... she should have never been on the loan and they will take her off ... I called and stated if she should have never been on the loan she should be given back her money and the loan should be closed because of having a second loan open fraudulently. WFB said they will return my mom 's money but will leave the account owing ... because my son should have been able to get the second loan on his own ... but how when he could n't get the first one without my   cosigning? I believe the account should be not only refund my mother but also close since the agreement conditions have changed and if given the original statement to my son ... my son did not quality for the second loan. We have yet to receive the check to my mother and they spoke to me asking me did my mom want to make the payments or made it out of obligations? I told them my mom is  XXXX   years old and is  not trying to pay on the loan out of want but because you sent mail to her saying she had to pay as the cosigner. ( I do h ave two letters tellin g my mom she should have never been the cosigner )

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They put hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Equifax advising them of fraudulent accounts on my credit report for the last two months. They have screwed up my report twice by having my name spelled incorrectly. On XXXX XXXX I had a report where my accounts I disputed were removed then on XXXX XXXX all the accounts were added back on and even my name was spelled wrong again. They never sent me a notification within 5 days which is a violation that the accounts was going to be added back. I called and they told me I needed a police report with the accounts listed that was fraud. I filed police report with accounts on there that needed to be removed. I called spoke to XXXX and he was very rude not compassionate about someone stealing my idenity he stated i needed a police report with a officers signature. Which is incorrect because they do n't sign police reports. I have sent everytging to prove im me and they still will not block the fraud accounts which they added back to the account after it was already removed

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I made a payment to my XXXX credit card account that is managed by Wells Fargo. I used their automated telephone payment service and paid {$75.00}. Wells Fargo debited {$770.00} as opposed to the payment amount of {$75.00} which I normally pay. I called Wells Fargo this morning when it showed up on my bank account, depleting my funds, and they informed me I would have to wait 30 days to get the {$700.00} overcharge back into my bank account. I told them it was going to make me broke and they offered no quicker of a solution.

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 02-08-2017 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Person left a message on my work voicemail claiming to " represent the county process serving division ''. He requested that I be available with a photo ID either at my place of work or home. So that I could be served court documents. And that I 've been named in court documents. Instead of identifying the county he was calling from he requested that I call the XXXX at XXXX. Last week his office called and informed me that all of my bank assets were going to be frozen in 72 hours unless I called ... ... my assets remain very much unfrozen ... ...

Company response to consumer: Untimely response
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not g ive Kia Motors Corp auth orization to run credit report  XXXX  times. I did not know the sales rep ran my credit  XXXX   XXXX ,    2016  and than   XXXX   again  XXXX   XXXX ,  2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have tried repetitively to have Experian and XXXX to take of a Bankruptcy showing on my credit file. The date of this is XXXX 2014. I never filed bankruptcy at that time. I asked them to verify by showing my signature with any legal paperwork. They did not, and kept on saying it was verified. I will swear under oath to this if need be. They are mistaken my information. I want this off both these credit reports right away. It is hurting my credit score. They are in violation of my rights under federal law.

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 07/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My home address was changed by the city. I submited the change to Nationstar, my mortgage company, XXXX years ago. XX/XX/2015 I tried to refinanceand was denied because of a address descrepancy with XXXX . I have submitted XXXX letters from the city and have yet to get my address correctly changed with XXXX. This procedure is called a SURF rquest. Nationstar says they cant even talk interdepartmental to try to resolv this problem. I also contacted XXXX XXXX 's office and my state ( MA ) attorney generals office. That was over a month ago for both. I am loosing about XXXX $ a month by not being able to refinance. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls, more than once an hour, on one occasion calls were 29 minutes apart. Three days in a row called 4 times each day ; four days in a row called 15 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Risecredit, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Sallie Mae or their XXXX company is lying on my consumer reports that my accounts were delinquent when in facet they were paid by the US gov. On time during deferrment & forbearance. I 'm on XXXX & I have proof that they were to clear me of all loans & was paid by the XXXX XXXX XXXX XXXX to do so. their delinquencys on XXXX accounts are affecting my credit & I want them removed & reported postive by law. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and Experian, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.

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 11/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a Lowes ( Synchrony ) card in XXXX of 2017 with a limit of {$3000.00}. I purchased a hot water heater and a few other items and paid it off before the 6 months interest rate promotion was over. In the Summer I attempted to purchase a few more items and was denied because my credit limit was reduced significantly to {$100.00}, I was in the store, spoke to customer service and they called to see what was going on. I was told that they did a credit check and decided to reduce my credit limit. I was livid and they said there was nothing they could do and maybe in 6 months I could see if the credit limit could be increased. I proceeded to purchase the items with the credit I had available and immediately paid that off when the bill came. Fast forward to last week, I received a letter stating the account has been closed because of a credit check. Please note, I do n't have a balance on this card. I believe this credit card company has ruined my credit. I have other store cards and credit card companies increasing my limit while Lowes/Synchrony is decreasing my limit and closing my 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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was looking at my equifax annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XXXX XXXX 2017, XXXX XXXX, XXXX XXXX put a hard inquiry on my credit report. But I did n't apply any credit card or load from XXXX XXXX, XXXX XXXX in XXXX 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I would like to file a complaint against Experian Credit Bureau for discrimination and maliciously refusing to accept my dispute regarding discrepancy on my credit report. I spoke to their representative, XXXX with " Team Majestic '' within Experian Credit Bureau. During our conversation he basically refused to accept any of my disputes regarding outdated student loan accounts on my report. He basically instructed me to contact lenders for documentations to submit to Experian in order for them to accept my dispute. This is completely contrary to XXXX and XXXX whom both have delete all the accounts that I am requesting Experian to delete. I was successfully able to have my credit report with XXXX and XXXX corrected without no delay or unprofessional customer service. All my closed student loan accounts are beyond 7 years, as I have n't attended college since XXXX 2008 therefore they have been in default at least since the latter part of 2008. 

It has been several months with me trying to literally get someone on the phone from Experian to dispute accounts on my credit report. During multiple attempts via Internet I have been redirected to either an " XXXX '' number or a website that required payment for a credit monitory service in order to address any concerns regarding my credit. When I finally contacted someone at Experian who then forward me to XXXX with Team Majestic, my experience was utterly nothing like XXXX or XXXX. I am convinced that Experian is doing something illegal regarding consumer credit services. Furthermore I spoke to several of my associates who have had their credit report corrected by Experian and my situation is different based on my race and non-membership to a Credit Monitoring services. I was recently denied credit solely because of my credit report with Experian. They are destroying any credit opportunity for me because of their unethical service.

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 01-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX in student loans, XXXX which are private loans from Navient. I am having medical issues, and require XXXX this month. I called Navient to see if they have a medical deferment or medical hardship deferment plan. They do not offer any interest free deferment plans - only plans that will lower my payment but I will have higher monthly payments more in the future. I also asked to speak with the Office of the Customer Advocate and the XXXX representatives I spoke with all told me that they did n't have the number, or they can not give me the number. The last person I spoke to said that it was Navient 's policy to not give out the Office of the Advocate 's contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Payday loan () with North American Asset Services, LLC (KS).
Issue: Can't contact lender

Complaint: I received a phone call from a company called frontier financial group, and they claimed they were collecting for an unpaid payday loan. I have been making payments to them since XX/XX/XXXX. I paid XXXX dollars a month, then in XX/XX/XXXX, I paid XXXX dollars, then was going to pay remainder in XXXX. I tried to contact them to talk about my payment, and I could not reach them by phone at all. I tried about XXXX times that day, XX/XX/XXXX, different times of the day, and always got hung up on. I did some calling around, and even XXXX said they could n't find anything on this company, but when she researched it, found nothing but information about them being a scam. I have paid a total of XXXX dollars to them, and would llike my money back if possible. 
thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: the debt collection firm XXXX XXXX XXXX had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet XXXX XXXX XXXX has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX INSTRUCTED PENDRICK CAPITAL TO CLOSE ANY AND ALL DEBTS ASSOCIATED WITH MY SOCIAL SECURITY NUMBER AS THEY WERE NOT MY BILLS BUT A TYPO BY AN ADMISSIONS CLERK WHEN ADMITTING A PATIENT. MY SOCIAL AND THE PATIENT 'S ARE DIFFERENT BY ONE NUMBER. THE HOSPITAL HAS A COPY OF HER ID WITH HER SOCIAL ON FILE HOWEVER THE TYPO 'D SOCIAL ( MINE ) IS THE NUMBER ASSOCIATED WITH THE DEBT. PENDRICK CAPITAL HAS PURCHASED XXXX OF HER BILLS AND PASSED THEM ON TO OTHER COLLECTION AGENCIES. THEY ARE NOW REFUSING TO DISCUSS THE ACCOUNTS WITH ME EVEN THOUGH IT IS MY SOCIAL SECURITY NUMBER AND AFFECTING MY CREDIT. THEY HAVE BEEN INSTRUCTED TO CLOSE ALL DEBTS WITH MY SOCIAL SECURITY NUMBER. THEY HAVE ONLY CLOSED XXXX OF THE XXXX AND ARE NOW REQUIRING ME TO HAVE THE HOSPITAL CONTACT THEM AGAIN!!! THEY ALSO WILL NOT TELL ME THE NAMES OF THE AGENCIES THEY HAVE PASSED THE DEBTS ON TO SO THAT I CAN CONTACT THEM AND HAVE THE ACCOUNTS CLOSED WITH THEM SO THEY DO NOT REPORT IT TO MY CREDIT.

Company response to consumer: Closed