milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TN).
Issue: Settlement process and costs

Complaint: I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to equifax and XXXX currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my equifax report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Money transfer, virtual currency, or money service (Refund anticipation check) with WELLS FARGO & COMPANY (VA).
Issue: Lost or stolen check

Complaint: XX/XX/XXXXWells Fargo informed me that my IRA account was levied by Virginia Department of Taxation. This was an illegal levy and was removed within 24 hours. Instead of Wells Fargo placing the {$100.00} back into my IRA account they closed the account? This illegal levy caused one check to bounce and fees was removed from checking account. I contacted Wells Fargo Executive offices and explained what has happened for weeks and was informed that a check in the amount of {$90.00} ( after taxing my {$100.00} ) was mailed to me on XX/XX/XXXX. XX/XX/XXXX I called again explaining that I have not received my refund check and the lady informed me after 2 hours that the check was deposited into a XXXX Account. I have never banked at XXXX, my address was not on the check when I received a copy of the check, Wells Fargo has not contacted me as of today 's date with any explanation on resolving this issue and why was a cashiers check issued instead of direct depositing into any of the Wells Fargo accounts?

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My granddaughter and I  have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same social security number. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX XXXX and they told me I needed to file a complain with XXXX. This is not the first time this has happened and I would like for it to stop.

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 02/16/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For at least 10 years I have been hounded about money owed on a Lowes account. I never opened a Loews account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.

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 05/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: send a large amoun t to JC Penny o m  XXXX   XXXX  of {$1100.00} dollars. Which they did n't decrease my total balance, also still have me pai d cash advance fe e which it was very small balance that could had been paid off with the large amount the interest amount was incorrect, also sent them a {$170.00} payment om  XXXX   XXXX  which the respresentative call me on fromthe Bank to pay, also explain to him what was going on and stated I have an attoney looking into this the respresentative ask for the name and phone number ofthe attoney but have not call him.

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 08-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a request for Validation from PORTFOLIO RECOVERY ASSOCIATES concerning alledged debts with XXXX XXXX XXXX XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX for {$1400.00}. I asked to be provided with their Texas Debt Collection License and Bond information as required by the Texas Finance Code and proof that they either owned the debts or they were authorized to collect the debts by the owners. I also asked for proof the debts were legitimate and how they calculated the balances. 

They did not provide me with licensing or bond information. They said they owned the debts having purchased them from the original creditors but did not provide any proof they were the owners other than them just saying they were.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Is not my loan and amount is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Risecredit, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been reporting negative accounts reflecting {$900.00} ( XXXX ) and {$130.00} ( XXXX XXXX ) to EXPERIAN, XXXX, and XXXX. XXXX removed the accounts from my report, however EXPERIAN and XXXX continue to publish these fraudulent accounts hindering me from obtaining credit, thereby causing me to suffer for the last 6 years when the ability to obtain credit would have made life turn out better than this lowly state I feel forced to endure. I am confident that neither furnishing nor reporting parties can validate these debts, although, every time I dispute the accounts I am notified that the accounts are up to date and in compliance with FRCA standards, but I have not seen any evidence to verify these statements. I demand recourse in actual damages for conspiracy, deprivation of rights, fraud, defamation of character, and intentional infliction of emotional distress. I feel it necessary that punitive damages be awarded as well for willful and malicious disregard as well as blatant disrespect for sanctions found within the FCRA.

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 07/24/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: After months of arguing, I did file a BBB/ CFPB complaint against KEY Bank . Well last week I was sent a letter and a check telling me now that they closed the account that they refused to close prior to the complaints. Also in my account before the illegal debits was {$21.00}, they sent me a check for {$14.00}, thus taking more of my money that they are n't entitled to. how can they get away with this stealing? and as of yet not one phone call from the corporate office in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is another attempt to collect a debt that I do not owe, which has resulted in a breach of contract services and/or interruption of service since XXXX XXXX, 2016. Contracts indicate that anytime when there is an interruption in services the contract is extended by same time frame that the services are interrupted. All bills have been carefully reviewed and no additional funds are required as there has been no service rendered and the specific request are for an early termination fee that the consumer did not consent to her services being interrupted or terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Auto debt) with PNC Bank N.A. (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making payments on my student loan for over 3 years without missing a single payment and I HAVE YET TO SEE A CHANGE IN MY PRINCIPAL AMOUNT OWED. As a matter of fact when the loans were incurred my total debt was approximately {$23000.00}. AS OF TODAY THE OUTSTANDING BALANCE HAS GROWN TO {$32000.00}.   HOW IS THIS POSSIBLE?!! !! First of all, it is bad en ough that parents and students are having to bury themselves in debt just to obtain a higher education degree, but then to  XXXX   XXXX  with fees, compounded interested multipli ed by 2 and on and on and NEVER SEE THE LIGHT AT THE END OF THE TUNNEL after making payments mo nth after month consecutively, on time is just too much.   In this country you can not get a decent job with a college degree, yet we are penalized and forced into insurmountable debt just to obtain that degree. It is a disgrace. I have written letters first to  XXXX   XXXX  and then  to Navient ( who took over the servicing of my student loan ) asking for itemized break down of where all my payments are being applied, why my balance never changes and have never received any respons e.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was granted by a Providian Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX that hamper my movement at work and got layed-off. I informed the Providian Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to XXXX. It was Handled by Atty.XXXX with postal address at XXXX, XXXX XXXX. I was n't able to attend the hearing due to the XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX that has XXXX and the XXXX. And no hearing aid was advisable for me anymore. Except surgery w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the Providian Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of XXXX in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX. Now, I am XXXX with XXXX. But, Atty. XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The XXXX never gave me any last statement from the Providian Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the XXXX no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the Providian bank. Atty. XXXX never inform me that the XXXX was already dissolved and he is still representing the XXXX to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for 18th months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the Providian bank will proved that they have been taking monthly payment for Protection plan from me. the reason the XXXX Supreme Court had slap a XXXX fine at the Providian Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 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: Old information reappears or never goes away

Complaint: Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: 1. I went to XXXX XXXX in New York. I was n't told they were n't an accredited college until a month before my graduation for a XXXX XXXX XXXX. This school did not help me find work which was the only thing they were clear and upfront about in the beginning - " we have great graduate to employment record. You 'll be in a job. '' I graduated in XXXX and did not find a job until XXXX and that was off a program I took in my community that gave good advice. 

2. Capitalization/Subsidizing vs. Unsubsidizing was not explained to me. 

A fraudulent college was working with a greedy lender hand in hand to rob me and many like me blind. 

3. My loan amount was XXXX as of XXXX. I 've been paying loans for 10 years to the amount of XXXX. I still owe over XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.

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 04-05-2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Using a debit or ATM card

Complaint: Someone requested a replacement card from my bank then stole it from my mailbox activated the card creating a pin and then used it till I discovered it. The bank did. It refund my money stating that even though card was activated from a different phone number they used my personal data like ss # and birthday.

Company response to consumer: Closed with explanation