milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Navient is my student loan servicer. They have not provided an explanation of why my interest payments vary so wildly from month to month. They do not provide monthly statements that allow you to track payments, and where your funds are applied.They do not provide a telephone number to speak with a representative with a reasonable wait time ( & lt ; 10 minutes ). They do not provide useful answers to my questions via emails. They do not let you show a record of the emails you have sent them, they just disappear and you have no proof of what you contacted them about.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On Saturday XXXX XXXX I check my Transunion credit report to find that there were inquiries and collection accounts that were added to my credit report that was not on there before. Subsequently I found out that there was a glitch in their system and peoples credit reports were altered. I called on Monday XXXX XXXX to see if they were going to remove the inquiries and I was told that I have to write each creditor and request that they remove the inquiries. I never received any type of notification that these inquiries will be added to my report per the FCRA. I would like all inquiries and collection accounts removed from my credit report. I am trying to start the homeownership process next month and this would set me back from starting the process

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 02-03-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation of debt from this agency several times to this day they have not provided. I do not know what this is and I am disputing the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: I have an account with Wells Fargo and I used to have a Credit card merchants with them. I closed the account on XXXX. I ' m no longer accept credit card because I do not have need for it anymore. I called Wells Fargo Bank in numerous occasion and complaints about it. they do not care I have been charged overdraft fees for no reason because of the credit card machine I cancel and I do not have any contract with them anymore. I have a tremendous stress on me now because the burden financial situation they put me in

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Struggling to pay mortgage

Complaint: 8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Payday loan () with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I paid the loan off it was {$7500.00}, now they are charging {$7500.00} in interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAD XX/XX/XXXX CELL PHONE SERVICE PAID ALL MY BILLS VERBALLY TOLD THEM TO SHUT OFF ALL PHONES AN CANCELED SERVICE IN XXXX 2015 BY EMAIL LETTER AND PHONE CALLPAID THE BALANCED OWED. 
SIGNED UP WITH XXXX ON XXXX/XXXX/2015 BILLING ID XXXXCCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT ME BILL ON XXXX XXXX TH FOR XXXX SAID THE CANCELLED MY SERVICE THEN THEY SAID WERE GOING TO GIVE TO A COLLECTION ON A BILL I DO N'T OWE THEN I RECEIVED LETTER FROM GATESTONE COLLECTION SAYING THEY WERE COLLECTING FOR ATT AND WILL SETTLE FOR XXXX I DO N'T OWE ANYTHING AND IF I DID WHY WOULD THEY SETTLE FOR XXXX MAKES NO SENSE GATES STONE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I used the Equifax website to find out information about the current data breach with Equifax. After finding some information about the data breach I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would waive by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The calls date back to XX/XX/XXXX. I receive/received repeated phone calls from XXXX XXXX XXXX , XXXX. Although the address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, the company is outsourced in XXXX. XXXX XXXX XXXX , XXXX is trying to collect money for an account from XX/XX/XXXX. All of my accounts with this company are outdated. The customer representatives have incorrect address on file, my accounts are passed to more than one person I continue to speak to different people regarding my information. When I ask to mail all of the information regarding my payments that are due, the response is " I only handle this account '' although my accounts are with the same company. One of the representatives was condescending and rude and some customer representatives were aggressive and wanted me to make a payment during the phone calls. When I asked to speak to a manager, I told him about the situation, the manager was rude as well. I think it's unfair for me to make payments on closed accounts. It's also frustrating to have multiple customer service representatives calling me and pressuring me to make payments for multiple accounts all at once/same time for debt that is over ten years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with AR Resources, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Arresources XXXX XXXX XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of  receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from Arresources and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I checked all my US Bank records, there was ONE document I missed when I first sent the complaint to US Bank. Complaint number XXXX in the amount of {$18000.00} on XXXX XXXX, XXXX, another {$10000.00} on XXXX XXXX, XXXX, in the Total amount of {$28000.00}. with the same address, recipient, account but two different amount. 

Beneficiary Account number : XXXX Recipient Bank : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Recipient NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( next to 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 explanation
Consumer complaint received 01-12-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: Bank of America Please refer to complaint XXXX previously submitted for supplement information. 


Bank of America has provided inaccurate response on payment information and has again increased my interest rate for the 4th time in one year when I have never been late and am on auto pay.

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 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion does n't allow you to dispute on website or XXXX and posts this message, " We can help you dispute an error on your TransUnion credit report in just a few steps. Here are some things to keep in mind before we get started. Submitting a dispute request does not guarantee that TransUnion will change your report. '' XXXX XXXX amount of {$1300.00} I paid my half of this debt ( {$660.00} ), responsibility of balance should be directed to other occupant of resident on lease and removed from my credit report. XXXX XXXX, the account has been paid, this item should be removed from all credit reporting bureaus.

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 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The school that I obtained the loan from was not accredited and it was also closed so my loans were suppose to be forgiven from the forgiveness program I Need you to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: I need a security alert and freeze removed from my account and credit reports. I attempted to reach out to the credit bureaus and nothing was done. They refused to remove them immediately.

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 08/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Received this in my email today ( Unable to apply for a XXXX loan at this time ) I never applied for a loan. This " so called company that calls itself XXXX " does not exist and is a SCAM!!!! They indicated my EXPERIAN SCORE was XXXX which is false. I do NOT want them to touch my credit. Please investigate this illicit activity. Experian purposely make it almost impossible to get through Thanks

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 02-02-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number, but I have verified that the phone numbers is a Sears Visa Collection Number. 

I have called them several times to tell them we are on the DNC lists, do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016, there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up, no message left, which is disrupting and harassing in nature as I have asked them to cease and desist. 

This is an ongoing attempt to collect a debt, that is not my our own. I have asked them to remove our phone number from their automated system and it still continues as of typing this on XXXX/XXXX/16. Please help as this continues and needs to stop. 

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. On XX/XX/2016 I received important Notice that I 'm two months behind on my mortgage payment. I was surprised because my loan is automatic deduction from my account from the bank. I went to US Bank to complained about this situation and I went then several times. They told me I was charged late fee because I was late in payment. 
2 I received another letter for Escrow Shortage Coupon for amount {$350.00} which I paid that amount so I paid same monthly of {$980.00}, but I received three different payment and end up {$980.00} which I 'm still not satisfied, the way she explained to their branch here in XXXX, Wa. So all of these that I complained from unpaid mortgage, late payment and escrow shortage coupon payment nothing happen

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 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Thrive National Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor called at XXXX from XXXX claiming to be with " National Fitness '', only revealing they were with a collection agency 5 minutes into the phone call. I explained to them I canceled the gym membership and did not owe anything. They then asked me did I get this cancellation in writing, I said no, I spoke with the gym employee at the front desk and they said they would take care of the cancellation. Apparently, the gym employee never did this. I told the agent it was therefore illegal for them to to still be charging me. The collection agent then got belligerent, so I told them not to call my phone anymore and hung up. The same agent then called again at XXXX from XXXX, again stating they were with " National Fitness '', and began reading my credit card number aloud, at which point I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to call my house for a XXXX XXXX or some similar name. My name is XXXX XXXX and my wife and XXXX kids live here. None of them are name XXXX XXXX or anything close. more importantly none of us - have any debt that is unpaid, overdue or late. 

I advised them two weeks ago to stop calling - as they have a wrong number - but they continue to call me

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: On XX/XX/XXXX I was unable to access my American Express Serve account. When I attempted logged in to app, I had message with XXXX number to call becauae account was frozen. I called answered all security validation questions and was transfered again. Repeated process and was told my account was permenantly froze and I wouldnt receive ANY OF MY {$3000.00} THAT WAS MY MONEY ALL LEGITIMATE!!!!!! They have never sent single email or phone call! No explanation besides user agreement 15d ... .. Which is vague piece of trash basically saying They can CRIPPLE your family and steal your hard earned money for any reason they want! its been a month and no word! I was told by one of the multiple " supervisors '' I spoke with that I would hear from them after 10 day investigation! I was told all MY MONEY would be returned to funding source!!!!! What about my cash reloads from all around Texas???? Hpw Will I be refunded! This is an outrage and I 've been relentlessly seeking justice and exposing this " business ''! I 've found multiple othet victims of American Express Serve and am in contact with them. I have XXXX small children and this has caused more p4problems than you can imagine! My money was stolen and I need help please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: on XX/XX/2017 XXXX XXXX extension XXXX called to say we entered an agreement for payment of {$620.00} from XXXX XXXX. I replied telling him that the company has been debiting money from my checking account for the amount owed, XXXX continued to speak and tell me that I am lying and that I am changing my story, I attempted to explain to him what was happening and he continued to talk over me. At this point I raised my voice to try to catch his attention, which he did not stop talking or let me talk other than accuse me of being negligent and ignorant. I let him know I will be talking to his supervisor at which point he said they will be submitting the lawsuit for the debt because I am not working with them and am refusing to comply. I then hung up because he continued to threaten me. Following a letter about the phone call that was not accurate was sent to my email. At this point I have submitted a voice mail complaint to his supervisor & refuse to pay for this debt until the communication between their company and XXXX has been resolved and I refuse to deal with this man. I would also like to complain about multiple harassing phone calls daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax 's inadequate security caused a data breach that exposed sensitive information of millions of Americans. I appear to be among them. In my state, they charge {$10.00} to freeze my credit. The alternative is to sign up for their credit monitoring service which requires waiving my rights to participate in any class action that occurs in response. I feel it is unreasonable that I am forced to pay for a service that is only necessary because of their own mistakes.

Company response to consumer: Closed with explanation