milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint: Today I was called by a " locating company '', who misled me by listing their name on caller ID as a person, not a company, who told me to call XXXX and refer to case # XXXX. I called the number and they said they were an attorney 's office and it still shows on my credit report that I owed XXXX ( XXXX ) and now that they located me, my choice is to pay them TODAY or go to court. The man kept saying I was going to be sued. Numerous times, now that they have located me. They said they were suing me for breach of contract, in the amount of XXXX (? ) or I could pay {$2700.00} after I went to court. I said I had to call my son. I think I got this card when I was in XXXX, NC and we went bankrupt while in XXXX. We moved to Virginia in XXXX. 
I told them there was a statue of limitations and we had gone bankrupt. The man said there was no statue of limitations and I could pay or go to court. The man kept saying that it still showed on my credit report. In VA, the statue of limitations is 6 years. It has been 12 years and I do not know why they are harassing me now. My husband died, I live on a fixed income and there is no way I can pay this bill. Plus, it should have been taken care of by our bankruptcy. The man said the name of his company so fast I could n't hear it. I asked him 3 times who? I did n't understand the name of the company OR the man 's name. 
I lived in XXXX, VA for 10 years and I have received NO paperwork when I lived there. I moved, and I have received no paperwork since I moved to my new address. I have been here 2 years.

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 05-04-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It appears tha t EOS CCA might  have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in   XXXX   and they have just reported to the credit bureau or my credit report reflects the date as   XXXX   XXXX   XXXX  , which has obviously affected my  credit score  dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as  XXXX  failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal  7 ye ar time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (LA).
Issue: Trouble during payment process

Complaint: Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been charged a payment that is more than the XXXX % requirement for years. I am struggling with the payment and was denied for interest only repayment, denied to lower my payment so now might be forced to forbearance. Accrued interest will still occur during this year time and I do plan on making payments even though I 'm not required to try to keep this from happening. I have been paying for XXXX years and some of my loans are STILL above what I borrowed, that 's how much interest they have charged me over the years. At this point, I do n't know how I 'm ever going to be able to pay them back. I struggle to pay the {$410.00} a month and am not seeing balances go down. Is heartbreaking honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX, I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove

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 09/30/2016 about Mortgage (Other mortgage) with loanDepot.com, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Loan Depot contacting me on re-financing XXXX of my properties. XXXX property in XXXX and the other property in XXXX. With the information they provided that my property in XXXX qualify to re-fiance thru the HARP program I proceeded to start the process. I was told that no appraisal will be required for my property in XXXX. Well on XXXX XXXX, 2016 I received a call from Loan Depot changing everything on my XXXX property. I was told that the property was not going thru the HARP program and that an appraisal was require.Loan Depot lied to me by giving me false information. I 'm requesting that Loan Depot refund my appraisal charge on my California property and credit the amount of {$420.00} into my credit card. I stop the process not because I want it I stop it because Loan Depot lied to me. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XXXX/XXXX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which it was due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I have a credit freeze on my account and when I did pull it off the creditors pulled XXXX instead of TransUnion. These XXXX items I never applied for and the XXXX XXXX and XXXX was removed and reinserted. Even on my XXXX XXXX my credit is important to me. 
1.XXXX XXXX-XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX 6XXXX XXXX XXXX 7.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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in abroad ( XXXX ) since XXXX XXXX until to date. As I 'm planning to visit US again, I tried to activate this card online, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to credit agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue. 

Regards

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 06/21/2017 about Student loan (Private student loan) with TEXAS HIGHER EDUCATION COORDINATING BOARD (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The Texas Higher Education Coordinating Board currently services two of my loans. They have, for years, made it difficult to make payments in the following ways : Not accepting XXXX debit cards. Not having auto pay functionality. Using various external vendors to process payments. Multiple dead ends on phone tree, most recently on XXXX/XXXX/XXXX. They have also utilized lax and dangerous privacy policies : Until XXXX, the social security number was the login and date of birth was the password. My main concern is the lack of auto pay functionality and XXXX acceptance. In the current environment the only reason for either is, 1 ) Deciding not to incur the expense of setting up such a system, which is unlikely given the numerous vendors able to implement this. 2 ) Indirectly causing late payments or forcing payment through processes in which they collect fees, both of these in an effort to increase ancillary fee revenue. THECB, as recently as XXXX XXXX, has acknowledged the lack of the usability of both its website and customer service functions, but has done nothing to improve either. It plans in XXXX to spend $ XXXX on compensation servicing approx. $ XXXX worth of loans using XXXX FTE, an unfathomably poor efficiency ratio and a model of government employees enriching themselves at the expense of the tax base and their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.

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

Complaint: My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. 

I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. 

I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. 

I have had no debt since I paid off my mortgage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient is hiring part time employees and giving them access to sensitive information. These part time employees are then copying customers personal information and using it as a tool to threatened their customers. Navient have an employee by the name of XXXX XXXX who gained access to my information and informed me by reciting the last 4 numbers of my social that she knows my information. She also said that I do n't know what she is capable of. I have XXXX XXXX who lives with me and being that this person has gained access to my personal information I know feel that my safety and my daughters safety is in Jeopardy. I spoke to a police officer about my concern and was told that since does not fall under the domestic violence umbrella there is really nothing I can do which explains why I am reaching out to you for your assistance. Please help put a stop to this.

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 05/20/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. 
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. 
Thanks, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is either completely incompetent or blatantly dishonest. 

I have two sets of loans with them : 1 ) an old spousal consolidation loan from early XXXX 's ( we divorced in XXXX ) ; 2 ) a personal ( i.e. NOT A SPOUSAL LOAN ) from a couple years ago that was taken out in its entirety when I was SINGLE almost 10 years after I had been divorced. I have an IBR plan on my personal loan ONLY that I am trying to re-certify.

Navient keeps sending me letters saying that they need my spouse 's proof of income to process re-certification of my personal loan. This is WRONG and they are either idiots or crooks, and I am  tired of going through this with them every year. This is not a new application for a repayment plan - I am only trying to re-certify an ALREADY APPROVED IBR PLAN!! My ex-wife from 10 years ago has nothing to do with it, and I am not going to give them her income information. They have my tax returns they just need to do their jobs and re-certify. 

I have called Navient customer support 4 times ( this year, last year when I was trying to get the application approved it took a dozen phone calls and threat of a lawsuit ). Each time the CSR gives me a completely different excuse about what went wrong and a completely different action I need to take to resolve it. So far XXXX on XXXX at XXXX PST, XXXX XXXX XXXX at XXXX PST, XXXX on XXXX at XXXX XXXX XXXX PST and XXXX on XXXX at XXXX PST have all told me different things, have all offered erroneous solutions, and have not a single one of them actually done anything to resolve the issue. 

So I 'll close as I began ... Navient is either completely incompetent or blatantly dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX. 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX points.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation