milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother is deceased ( XX/XX/XXXX ) I am the daughter executor of will. Her home was sold to her in a deed of trust and she was promised a warranty deed and she never got one and paid cash XXXX in XX/XX/XXXX. Then she found out later on XX/XX/XXXX when borrowing money to paint house the deed was still in a deed of trust and I have the will of the man who sold her this house. XXXX XXXX XXXX XXXX Georgia XXXX. My uncle and this man made the transition 2 years before she ever purchased it in a contract of settlement and now it 's in a security instrument with citimorgage. Citibank made loan over phone she had XXXX and I told them she did and they did that XXXX anyway and this is an investment home there will never be a clear title to the home. Her sister drowned 2 months after mama passed because her husband is the one that took the money and did this. Please help me 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 explanation
Consumer complaint received 08-04-2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am putting a complaint today on Wells Fargo Bank because I have had a credit card with them since XX/XX/XXXX in which I was originally approved for {$2000.00} after approval I requested a credit line increase in which I was approved for {$6000.00}. I was then approved for another increase to {$12000.00}. I have had my account in good standing and on XXXX XXXX of this year I used my card for USPS for {$1.00}. After this charge there have been multiple fraudulent charges on the account in XXXX XXXX Nevada. I noticed my card was lost and have tried to call wells fargo and notify them of the activity and they are denying speaking to me over the phone and requesting for me to step in to a branch. I explained to them that i am not near a branch and they are telling me they are not going to help me. I have personal and business accounts with them have had my business account since XX/XX/XXXX and there are plenty of ways for them to verify me and they continue to try to give me a hard time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I defaulted on a XXXX XXXX loan. I started receiving correspondence from US Department of Education with debt total of lil over XXXX. I started making payments of 2 to 3 hundred a month while working over XXXX XXXX XXXX. I take the winters off and haven't made payment since XX/XX/2017. I just received a letter from XXXX XXXX , XXXX stating amount due XXXX. I do believe my balance with The US Department of Education should be around 3,500.00. So who is in charge of my debt? I'd like to finish paying this off when back on XXXX XXXX this year but don't quite understand where I stand and who to pay. Please help me understand. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Nations Recovery Center (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is trying to collect a debt from the wrong person and we have informed them of this. The company is  Nation Recover Center.  Their phone number is  XXXX   XXXX   XXXX . They have been calling once or twice a day for approx 10 days. This number is now on our call block.a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, XXXX, I began an application with XXXX to refinance my student loans that were being serviced by FedLoan. On XXXX XXXX, XXXX, I received notification that XXXX had disbursed funds to pay off my FedLoan balance. When the payoff posted on XXXX XXXX, XXXX, I had a credit balance of {$620.00} since I had continued making payment from the time I started my application to the time the funds were disbursed and posted. I contacted FedLoan about the credit balance and was told I had to wait until I received a paid off statement and that a refund check would cut automatically. On XXXX XXXX, XXXX, I received an email with a payoff letter stating the loans were paid in full. Whenever I login to my account, I still have a credit balance. I have sent messages through my online FedLoan account ( no responses ) and called ( told I have to wait ). I am requesting assistance to get a refund so I can apply it to my refinanced loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On Friday XX/XX/2017 XXXX charged over XXXX dollars on my debit account without my permission claiming that the payment had been done online. I did not authorized this payment and did not make an online payment since the money i had in my account was for my rent. I called Chase right away and they stated they needed to investigate the transaction. Yesterday I spoke with them and said they could do nothing since XXXX had every right to take the money since I owed it. I am currently waiting on a reimbursement from XXXX to pay XXXX. I am now behind on my rent and utilities since they took all my money. Chase is not helping me to resolve this issue even though I am telling them this was a fraud. This was also tried on my daughters account but they were unable to take the money since she had no funds. She had to cancel her debit card due to the fraud attempt. As of today Chase approved the {$2200.00} transaction after all my calls and complaints about this not being authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called Midland Funding to try and settle a debt on my credit report but when I called, they said XXXX XXXX XXXX owned it. When I called XXXX & XXXX, they said Midland Funding owned it. 

The Docket Number is XXXX Midland Funding Account Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: APR or interest rate

Complaint: Citicard changed my interest rate without prior notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN IS THE ONLY BUREAU REPORTING THIS TERMINATED AND NON EXISTING PUBLIC RECORD ON MY CREDIT REPORT IT IS DAMAGING ME FINANCIALLY. I HAVE REQUESTED THE DELETION OF THIS ERRONEOUS ACCOUNT SEVERAL TIMES BUT EXPERIAN IGNORED ME AND FAILED TO COMPLY EVERY TIME EVEN THOUGH I SENT THEM PROOF FROM PUBLIC SEARCH AND LETTER FROM COURT STATING THEY ARE NOT REPORTING THIS NON EXISTING BK TO MY CREDIT BUT EXPERIAN IGNORED ALL REQUESTS PLEASE HELP

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 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian I would Like for you to please answer a very simple question. basically a yes or no answer Do your company keep the original consumer signed contract on file at your XXXX tx site or wherever you guy 's report consumer 's info?

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 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed a chapter XXXX bankruptcy in XXXX XXXX. The debt/account was opened in XXXX XXXX. In XXXX XXXX the chapter XXXX was converted to a chapter XXXX.Due to the conversion any debt that was due at the time of the conversion XXXX XXXX XXXX XXXX is now discharged XXXX XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have sent MCM an letter, the bankruptcy conversion info and the case law. No action has been taken by them to remove this account from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Other financial service (Debt settlement) with Equitable Acceptance Corporation (RI).
Issue: Fraud or scam

Complaint: Back in XX/XX/2016 I was doing so research on student loan forgiveness. After a couple of calls and XXXX searches I was contacted by Equitable Acceptance Cooperation. I was told the Obama had passed this law and the student loans that I was paying back were not supposed to be that high. I was told that this company would get my student loans consolidated and it would be better for my credit and lower my monthly bill. This sounded great to me. This company told me that I would have to pay a fee for the service that would be broken up into monthly payments and then I would also have a new student loan payment plan. I unfortunately agreed to this as I thought it was a legit. After a few months I have been paying both my fee to Equitable Acceptance Cooperation and to XXXX. I contacted XXXX with some questions and they advised me that this was a scam and to report it to the Federal Trade Commission. Equitable Acceptance has put a hard inquiry against my credit and debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (UT).
Issue: Account opening, closing, or management

Complaint: A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. 
The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. 
As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I received notice that Commonwealth Financial was added back to my credit report after being disputed and removed twice. They have also changed the date of the collection to XX/XX/XXXX. This is illegal re-aging of an account! I have disputed this company twice from my credit report and they have removed the file, only to re-age it and add it back a few months later. It was removed XX/XX/XXXX and also again in XXXX of XXXX. This is the same account that they are continually re-adding back to my credit reports. I am tired of having to dispute them and then they illegally put this account back on my credit reports but with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My ex-husband opened an account with XXXX XXXX XXXX Bank using my name and SS #. His name is XXXX XXXX XXXX, SS # XXXX. The account is now in the name of Portfolio Recovery , Inc., XXXX, VA. in the amount of {$950.00}. There is a judgement filed against me for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan was XXXX XXXX now Navient. I called many times in the past to ask about different options because I could not afford to pay and phone representatives keep giving me the run around and they said that is was nothing they could do. I mentioned that they must have something to pay the loans back, meaning a program so that I could find something more affordable. They charged me outstanding fees on my account, told me to get in a forbearance, they also at some point when I take a break from school, had me on interest only payments. I have called many times and people over the phone have not and act like they could not give me options. They were aggressive and told me I just need to pay the money. At one point I was getting public assistance and I asked do they have something for people who are unemployed, do you charge interest if you are on a state program. I ca n't remember what year I asked the question. However, no one would help me. Private loans for Naivent aka XXXX XXXX are the worst ones to get because they originally did not explain how this effects me the in the lone run, that the interest rates change, that the loans would start getting interest as soon as I opened the loan. I was a kid still wet behind the ears, at XXXX, no kid every understands that type of information. I feel tricked and disguised with the way my loan situation has turned out and I am very disappointed that the government did not regulate private loans better to protect kids/ young adults for trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CO).
Issue: Managing the loan or lease

Complaint: BMW Finance is reporting an involuntary repossession - charged off account with a balance owing of {$9800.00} on my credit report. I recently spoke to XXXX, a collector, who stated the repossession in question was on XX/XX/XXXX - and first became delinquent in XX/XX/XXXX - more than NINE years ago. I have tried to reach XXXX, XXXX 's supervisor to no avail. I have repeatedly disputed this account, yet BMW continues to report it beyond legal time limits and simply state that I need to start the dispute process " again '' and email a canned letter ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have found a XXXX acct with negative remarks on my name I have no knowledge of this acct please remove it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some dept collector company LVNV Funding with the name of XXXX XXXX XXXX XXXX. keeps calling and threatening to bring my credit score down. They claim I owe money to some credit card company. I was told my credit score would be brought down to XXXX. I was told could I could only receive the company I owed was if I gave them my social security number.

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. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

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 05/18/2016 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Professional Collection Consultants sent my employer via US mail a fake wage garnishment letter. The letter stated false court report numbers. I contacted my local court and there was no evidence of the report number given by XXXX XXXX law offices on file. There were no stamps on the letter stating that judgement was filed. I do not have any debt. I have no collections. I have never heard of XXXX until writ was given to my employer. Never once had XXXX tried to collect money from me. I have no knowledge of this company or any debt that they claim I owe. I have nor never have I had a judgement against me. I do not appreciate these illegal and harassing tactics to collect a debt I do not nor have ever owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am XXXX of the people affected by the recent Equifax hack, and I want to file a formal complaint against the company for not only jeopardizing my information but failing to report the leak for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (MO).
Issue: Can't stop withdrawals from your bank account

Complaint: Speedy Cash took money from my XXXX XXXX debit card without my authorization. I receive my social security SSI payments in the amount of {$730.00} on this card on the XXXX of each month. On XXXX XXXX my card was debited by Speedy Cash for the amount of {$520.00}. When I called them they stated that my account was past due ( beginning XXXX XXXX ) and that it had gone into collections. I informed them that I had not been contacted by them or the third party debt collector. I also informed them that when I had a payday loan with Speedy Cash in the past that I was told the only way to make payment was to come into their office because they were not authorized to charge my debit card without me being present. I was told that they had the right to take money from my account. They also said that there was nothing they could do because the third party collector was involved. They gave me the phone number for that company. When I called, the representative told me that they were not involved in collecting on this account any longer because Speedy Cash had taken the loan back. I am confused by the back and forth. Now, I am in a horrible position. My account was basically drained which leaves me with no money for the entire month. No money for rent, utilities, doctor visit, or prescriptions. I am XXXX and have no idea what I am going to do.

Company response to consumer: Closed with explanation