milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXXXXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

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 08/21/2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX collection letter recieved from this 2nd collection agency ( Rash Curtis and Associates ) Prior to this letter, the acct already been paid to another collecting agency on XXXX/XXXX/XXXX thru XXXX XXXX . As soon as i rec 'd letter from RashCurtis, I already told them that the acct already been paid and I sent them a proof of payment on XXXX XXXX. Even though they rec 'd the fax for a proof of payment they still keep calling me and asking for a payment. They told me that the proof of payment was not enough and they could Not validate the date of service on the payment letter thus, I need to provide another proof that the acct they are collecting is the same acct I paid for. So I called XXXX for another proof, although XXXX said that collections do not actually put that info in the letter, but they agreed to include the date of service in the letter, the amount, the client name, and the original acct number that Rash Curtis ' is requesting. All the info from EOS is the same info they are collecting from me. So I sent Rash Curtis another fax on XXXX with all the information they need. I called them few days after I sent the fax to make sure they rec 'd and I was told that it will take about 1 week before they get the fax confirmation from other dept. so I was told to call back in about a week. It is already XXXX and the lady handling my acct named XXXX rudely told me that they will not removed the collection in my report bc she still did not received the fax info yet from their department. I asked her what is their timeline to rec 'd the fax info from the dept that I faxed the letter down to her ( XXXX ) And she could not give me a date, i ask if that is 6 months or what bc i am buying a house!

My problem is : # 1 rash curtis & assoc filed this in credit reporting bureau although I already sent them a proof of payment. Now this is in my credit report and i am trying to remove it there as soon as possible. # 2 they were calling me for a collection that 's already beed paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Every time I check my credit report, I am continuing to see more loans with high amounts under now a company called Navient. Every call I make never seems to be documented. No one can ever give me straight/accurate answers as to why I have so many different loans. Nor are they able to address why these reported loans are so high. This is a serious issue and obviously their carelessness is affecting my credit score negatively. I really need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I believe I was discriminated against by Wells Fargo due to my income level. My account was overdrawn by XXXX cents. Approximately {$770.00} was from the XXXX fees imposed by Wells Fargo. They gave me 60 days to bring my account current or else they would close it. I explained to them that I could pay them {$700.00} which would more than cover the amount paid by them on my behalf as well as a good portion of their fees. My offer was rejected. I was informed by multiple representatives that I had to pay the amount in full by the 60 day dead line or they would close my account. I explained to them that they were putting me in the position to choose to pay rent or pay them. They again said there was nothing they could do. Because having a checking account is important to me I decided to try to make some extra money. I was able to pick up some extra work to help cover rent and then used my entire regular pay check to bring my account to a positive balance with Wells Fargo on XXXX/XXXX/16. When I did I was told that my debit card had been turned off due to misuse. I asked them who missed used it and the representative informed me that I had. I was never informed by the bank that I could be punished by them for not using my debit card according to their standards. Now I have a checking account without a debit card attached to it, something that I feel is important to have in 2016. Wells Fargo made it very difficult for me to keep my account open with them. I told them that I can only conclude that they no longer wanted me as a customer. XXXX branch manager even looked at my purchases and in a loud and scolding tone chastised me for having to use payday loans, people in the bank heard, I was embarrassed, and I had to ask her to please lower her voice. I am not sure how much profit Wells Fargo makes from their {$35.00} fee, but I can only imagine it is somewhere around XXXX I may not make the most money, and I may not always manage my money well, but I am a person worthy of Wells Fargo 's respect. I doubt I will ever get any of the {$770.00} back from Wells Fargo because I am sure they have covered their rear-ends in some complex legal mumbo-jumbo, and that makes all of this that much more frustrating. I am not rich! I live paycheck to paycheck right now! I take my share of responsibility for that but my circumstances are not all my fault. What I needed from Wells Fargo was to be treated like a real person, like a member of the community regardless of if I was rich or poor, what I got was the cold shoulder, sharp criticism, and references to some ambiguous company policy.

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 11-01-2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted Experian in reference to these Inquires, I advised them that I did not have any knowledge or approve of these inquires. I have since contacted Experian any several occasions and discuss my concerns with their phone representatives. I advised them that I have no knowledge of these inquires. The inquires I did n't authorize are as follow. I want these items removed from my credit report. Due to not being authorize XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I ca n't afford my payments. Navient will not work with me because my consigner makes too much money. My income will is irrelevant. I have asked for hel multiple times and they offer no options.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX i had requested my credit report from Experian and XXXX along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is  using the same id # under different companies. The company name XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again Credco/XXXXXXXX XXXX which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am XXXX and have XXXX XXXX who can help me know that i have this problem on my credit report i do not understand

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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Back in late XX/XX/XXXX, I moved to XXXX XXXX, CA and found a residence to lease at : XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA. I found the ad on XXXX and we were planning to stay at the advertised property from XX/XX/XXXX through XX/XX/XXXX. After replying to the ad, the seller, XXXX XXXX, contacted me and we were able to work out an agreement. I was sent a lease agreement with all of the details and was instructed to send payment via XXXX in the amount of {$4200.00}. That amount was sent over XXXX using my Chase Visa credit card, and I was charged an additional {$120.00} bringing the total amount to {$4300.00}. I was asked to send the money though XXXX to the email address of XXXX XXXX, XXXX. The payment was sent on XX/XX/XXXX, which I received a receipt from XXXX XXXX on XX/XX/XXXX. After further investigation, I saw the same property and listing on Trulia.com and contacted the property manager, XXXX XXXX who works for a real estate company called XXXX, and was informed that the owner lives in XXXX. XXXX had never heard of XXXX or XXXX, which leads me to believe that I was involved in a scam. After communicating with XXXX via email, I was told I would receive a refund for the full amount, however, that has yet to be collected. Initially, I reached out to XXXX on XX/XX/XXXX, created a dispute, and was told that I could not be refunded due to the way the money was sent. I was instructed to contact Chase bank and explained the situation to them, and was initially refunded the {$4300.00}. Relieved, I stopped all contact with XXXX and XXXX. On XX/XX/XXXX, I was re-billed the entire amount and I immediately contacted Chase. I was told that Chase did not have the required documents to support my claim, so I faxed in supporting documentation on XX/XX/XXXX. This included rental receipts, a signed lease agreement, email correspondence with the sellers, text messages, and a letter describing my situation. I was told I would have a response within 30 days. Chase dated a letter to me on XX/XX/XXXX that their " latest review confirmed that the charge is valid because our ability to successfully pursue a refund depends on how well we can document our case against the merchant '' and was denied the refund. I immediately called Chase and was instructed to resubmit all of my paperwork with a new letter explaining the situation and another department would investigate the charge. I resubmitted the paperwork via mail in early XX/XX/XXXX and received another letter dated on XX/XX/XXXX confirming their initial findings. I never stayed at this property, nor met the sellers that had advertised it on XXXX. I have submitted a complaint with the federal trade commission on XX/XX/XXXX and have yet to hear back. I paid for a property with my Chase credit card through XXXX and never received a product.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Shellpoint is acting negligent on a financial matter which is leading homeowner to foreclosure unnecessarily. At issue is an approved short sale whereby an extension was requested but denied because a previous extension had been granted however Shellpoint was negligent in not looking at that previous extension and realizing it was for only 7 days. Additionally every lender and servicer on earth understand that IRS tax liens take at a minimum of 30 days and up to 60 days to get resolved. Lenders and servicers as a course of business always allow for 2 extensions. Shellpoint was negligent in not reviewing the time on the 1st extension and grossly negligent in not even contacting 3rd party to discuss prior to denial of short sale extension request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle lease) with Experian Information Solutions Inc. (MS).
Issue: Taking out the loan or lease

Complaint: I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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 12-06-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification with CitiMortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they furnished a 3rd party lawyer with a potential mortgage modification package without my permission. I used this lawyer one time in XXXX of XXXX for a chapter XXXX bankruptcy case. I did not give permission for citi bank to contact this firm on my behalf. On XXXX/XXXX/XXXX I requested via email for a written explanation as to why my personal, private information was sent to this firm. I received an email from my single point of contact, XXXX XXXX two weeks later on XXXX/XXXX/XXXX explaining that she was not authorized to provide the document requested and that my loan modification was being transfered to XXXX XXXX who would be my new single point of contact. On XXXX/XXXX/XXXX I was told via email by XXXX XXXX, my single point of Contact that I would need to contact customer service and inquire about why a modification purpose was sent to a third party. I have yet to receive explanation as to why my privacy was breached. Further, I received a XXXX dollar check today, dated XXXX/XXXX/XXXX regarding some wrong doing from when I was denied modification in 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 12-04-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Getting the loan

Complaint: I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the debt.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (NC).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation