milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has changed the terms of my loan without my knowledge or consent 3 times over the last 5 months. When they do this, I am removed from my income-sensitive repayment plan and placed on a normal repayment schedule, which results in payment amounts that I can not even come close to affording to make. So, without my knowledge or consent, they have forcibly invalidated the 12 month income-sensitive repayment plan that I did agree to, resulting in late fees, damage to my credit, and a neverending financial crisis on my hands through no fault of my own. I make my income-sensitive repayments on time and consistently, but that does not seem to stop them from illegally invalidating the agreement which we both entered into ... .THREE TIMES. 
I am at a loss for what to do about this. I can not spend the next 30 years calling Navient every 3 weeks each time they illegally invalidate my income-sensitive repayment agreement. 
PLEASE STOP THESE PREDATORY MONSTERS! THEY ARE BREAKING THE LAW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I ordered a new trailer to be built in XXXX 2014 from XXXX, XXXX, NM. The trailer was not delivered until the end of XXXX 2014. During that time, the dealer, confirmed that my credit rating did not change XXXX times. Equifax is listing that as XXXX different hard inquiries when it should only be XXXX and has lowered my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Using a debit or ATM card

Complaint: Possible scam. Have attempted twice to get a PayPal XXXX XXXX. They have deactivated the card both times before it has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with The CBE Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They call 5 times a day for a person who does not live here. I 've told them multiple times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Still have not received $ XXXX withdraw made from coinbase through XXXX account. 

XX/XX/XXXX - Withdraw was made at XXXX for {$50000.00} Confirmation email has estimated arrival date XX/XX/XXXX 

XX/XX/XXXX emailed support case # XXXX Other emails sent XX/XX/XXXX amount still not present in account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked for a XXXX, XXXX, be removed as it is too old, from 2006, and the credit agency just added " new '' information that was already there. I want this removed as it has been 10 years! Thank you.

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 02/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My name is ( Name ). I received a phone call from XXXX - when I answered the phone they asked for XXXX XXXX. I said there is no XXXX XXXX at this number. He said I am calling to speak to XXXX XXXX - I repeated that this number does not belong to XXXX XXXX. He said even regarding a matter with California Check Cashing?? I said there is not XXXX XXXX at this number - this number honestly does not belong to him. He said he would call back. He Hung up on me. 

I then called XXXX and explained that my name is ( my name ) and that if they were trying to reach XXXX XXXX on this number he must have given them the wrong number. I asked that they remove my phone number from their list because I am on the Federal Do Not Call List. I was transferred. 

I spoke to the original Caller - I told him that XXXX XXXX gave him the wrong number if this is the number he gave him. To take my name off of his list and do not call me anymore. That I am on the Federal Do Not Call List. He said they don't work from any Do Not Call List and what is this list I am talking about. I said it is Federal Law that you do not call me. That I am on the Federal Do Not  Call list and they need to be double checking the list. He said he didn't even know what the Federal Do Not Call List is. He then hung up on me again. 

I am filing a formal complaint. I am not XXXX XXXX. I have had this phone number for over 6 years. Please stop California Check Cashing from calling me. I do not use their services - I never have and I never will.

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 04/29/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I has a credit card through wells Fargo and I maintained payments until wells Fargo raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with TD BANK US HOLDING COMPANY (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TD Bank XXXX XXXX XXXX Bank NA ) REFUSED to provide my XXXX score and reasons for denial of a declined loan application. 
( in violation of the Equal Credit Opportunity Act XXXX They only provided the toll free number to the credit reporting service XXXX automated system that could not provide any information ) XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted this complaint to the Better Business Bureau originally but the company never responded to the complaint. 

Portfolio Recovery is violating the laws by inaccurate credit reporting Portfolio Recovery is attempting to collect a debt from me as a collection agency. They are reporting on my credit report as a " factoring company '' and also reporting this account as " open '' and reporting late payments. A collection account is not allowed to be listed this way. This is a violation. I have copies of my credit report to prove that this is how it is being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Misc. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: My IRS Tax refund in the amount of # XXXX Was deposited into a US Bank Checking Account # XXXX that does not belong to me. I learned of this through the trace that the Department of Treasury placed. I personally contacted US Bank XXXX XXXX and was informed by XXXX XXXX, Manager that the account number does not match my name or social security number. He added that the deposit is considered a third party check and can only be accepted by the approval of a supervisor since it is a liability. I have been trying to resolve this issue with US Bank and have been unsuccessful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX from my XXXX side, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was XXXX/XXXX/2013. The item still appears on all three credit bureaus, and I want it off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is the worst mortgage servicer in the world. They should be shutdown. Every time I interact with them, they mess up what they are supposed to do with my money. I just recently went on their website and processed a purchase and coded it as an extra escrow payment, and they coded it as a principal payment. I now have to call them and go through their terrible customer service to have them apply it to escrow. They will then lower my payment instead of just adding it to escrow, and I will have to have them run another escrow analysis. They will then send me a check that I do n't want. I will then attempt to send them back the money since I want it in escrow and they will mess that up again. The circle continues this way with no end in sight. I have contacted you before on their incompetence and nothing is fixed with this company. When do you plan on fining Nationstar? When will they be shutdown? Can you force them to switch me to a mortgage servicer that knows how to service a mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Payoff process

Complaint: A year ago I voluntarily Suspended my credit card account with Discover Card, in order to lower my interest rate. I have never been late. Always paid on time. I agreed to do this for a one year period. As of XXXX XXXX, 2016 I was supposed to be able to use my card again. Discover card REFUSES to release my card since they claim they have to see if I can still pay for the next few months at the new rate. This is not only ridiculous, but Illegal! I have been a Discover member for 20 years! I have never been late. I am a single woman and feel they are discriminating against me! They refuse to release me. Please look into this as soon as possible. They are re-dictating the payoff process..

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid off both XXXX XXXX accounts on XXXX/XXXX/16 and XXXX XXXX in XXXX also. XXXX of the XXXX XXXX shows being paid but not the other and they were both done and cleared my bank on the same day.

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 03-06-2017 about Credit card () with Army and Air Force Exchange Service (NC).
Issue: Credit card protection / Debt protection

Complaint: Back in XXXX 2014 my now ex-spouse used my AAFES XXXX XXXX. who was at the time an authorized user. Charged 6 straight times XXXX, on my credit card what she did was buy XXXX gift cards to a tune of over {$6000.00}. at no time did the credit card company notify, advise me, or verify if these transactions were authorized. the same amounts every day for 6 days should have raised a Red Flag. and when I did try to dispute it all I was told was she was an authorized user. now since this is a government institution, they are able to garnish my money. which they have to include my Fed tax refund. interest continues to accumulate on this account, late charges. the charges they are attempting to collect through a collection agency is now almost XXXX they are not going after her or her taxes. just me where is the justice. need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: According to the collection agency, they assumed a debt that was less than THREE MONTHS OLD. That is vile. I also have no way of verifying if the total amount I owed is correct based on the information I was given by both doctor 's office and collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello - Myself a single mom protecting her family from a violent case of domestic  XXXX , if this debt collector has any knowledge of the law when they see - I was awarded full and sole custody of my children, they should understand.     In   XXXX   thought it was all over and we finally safe, unfortunately this was not the case - I again had to make the choice to use all my funds to re locate my family.     As I have stated many times to this debt collector no one will rent to me with this reported collection on my report. This debt collector  Midland Credit Management , Inc. reque sting proof of my hardship. Attached is proof of my hardship all white outs are to protect my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an eviction on my credit report, not because I could not pay it I refuse to pay it, because I thought I was treated unfairly. I had 10 days left on my lease, upon moving out I found plenty of mold along the baseboards. I was constantly sick that year and did not know why. I left immediately giving them another notice when I found the mold. ( aside  from the 60-day notice ). They sent me a bill for {$1800.00} I decided to go to the court. Judge stated I had to pay {$730.00} rent, {$58.00} court fee, {$180.00} attorney fee, which they agreed. They sent to collection for {$1500.00} and sending me a bill for {$1800.00} Until we get this settle I guess I will have the eviction.  I cant get a decent place to live.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Debt collection (Auto) with NATIONWIDE ACCEPTANCE CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are repeatedly calling me after a promise to pay has been communicated. They told me since I did n't authorize them to debt my account on the day agreed they would keep calling everyday.

Company response to consumer: Closed with explanation