milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me i talk to navient hundreds of times and they told me that it will remain on my credit navient debt collectordidnt verify collectionno contract no sigiginature they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Had a loan modification because of health problems that 's when everything changed.my loan was a 20 year fixed I have lived in the house 16 years. After the loan modification I pretty much ended up being in debt more than ever. I am just trying to figure out if I have been a victim of a predatory loan.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I noticed that erroneous data was placed on my account that did not belong to me. I called the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX admitted that the data was entered in error. He suggested that I talk to the Collection Agency ( XXXX ) ( file # XXXX XXXX and XXXX. XXXX. She indicated that she was not able to remove the erroneous data from my record. I then contacted TransUnion and XXXX and disputed the erroneous data. XXXX sent me a copy of my credit account and indicate that the account is scheduled to continue on record until XX/XX/XXXX. They have not, as of this date, removed the erroneous data. Each individual I talked with I begged that they remove the erroneous data as I am a XXXX student and I have been offered a XXXX position XXXX. However, this erroneous information has the potential to cause my employer to withdraw the offer. I stressed that this information may ruin my career XXXX before I even get started. I know that the credit reporting agencies ( transunion, XXXX, XXXX ) did not check the complete name, date of birth, and social security number before they entered this erroneous data on my record. I have never been treated in an emergency room in the United States in my life. I beg you to advocate and file this complaint on my behalf against all of the aforementioned credit reporting agencies as I am convinced that they do not care that they have entered erroneous data on my record. In addition, I feel that the aforementioned agencies do not care how this erroneous data will affect my life, including future employment. 
I graduate in XX/XX/XXXX and I do n't have money for an attorney, but I will be forced to ask my XXXX surviving parent to hire an attorney if this agency can not help me. You are my last hope to resolve this injustice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Debt collection (Payday loan) with CASHCALL, INC. (MN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I looked at my credit report on-line prior to applying for credit for a new vehicle and noticed a medical collection on my credit bureau I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Client ( XXXX XXXX ) complete a family transfer package with Ocwen in order to assume her Mother 's property. Upon completion on the transfer package XXXX XXXX obtained and began a modification package of which there has been numerous problems. XXXX completed packages have been submitted since XXXX XXXX, 2015, to date their is still not an approval. Be mindful that the process was just about complete once the family package was approved which was in XXXX and to date the mortgage company is still requesting the same documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 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: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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XXXX XXXX XXXX " NO ACCT # '' UNVERIFIED/NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have repeatedly asked my mortgage company XXXX, to report my mortgage balance to the credit bureaus to no avail ( loan number XXXX ). The last time I complained to them they said that because I filed a chapter XXXX bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), they can not report the balance due even though they report the mortgage payment each month. This they claim is because the original mortgage with XXXX was included in in the bankruptcy filing and even though it was switched to XXXX in XX/XX/XXXX, they therefore can not include the balance. 
Please see attached mortgage loan modification dated XXXX/XXXX/XXXX, where the originally refinanced loan from XXXX/XXXX/XXXX with XXXX, then sold or transferred to XXXX, is now transferred to XXXX as a modified mortgage. ( This was the result of a lawsuit filed by me in federal court ). Nowhere is it mentioned that there will be any unusual credit report notifications made. There have been no late mortgage payments.

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 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XX/XX/XXXX, XXXX XXXX submitted an unauthorized payment of {$58.00} that was deducted from my credit union account and created an overdraft and overdraft fee.

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 09-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Struggling to pay your loan

Complaint: I fell on hard times and took out a small pay day loan to help with bills through Ace Cash Express. I unfortunately was not able to pay the loan off and have since been in the process for filing for bankruptcy. I have received numerous harassing phone calls in the past and at that time had my lawyer reach out to them on my behalf. I received a phone call today from a blocked phone number stating that I have a court date that I must attend for a lawsuit and to contact a mediator for further assistance. Upon doing that I spoke with a representative that informed that ACE is suing me for writing a bad check? She said that she talked down the price with Ace to half the cost with it being due immediately or they can try to garnish wages etc. I am not 100 % sure if this is a scare tactic as I feel uneasy just giving out my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (AK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX of 2017, as a result of having sent a voluntary Public Service Loan Forgiveness ( PSLF )  employment certification form, my federal student loans ( $ 100k+ ) were transferred to XXXX XXXX. It took several months to complete the transfer, resulting in several months of payments that I could not make and could not receive credit for qualifying payments under PSLF, all while accruing interest. Once XXXX XXXX had set up my account, they had set it up incorrectly, not giving me credit for 12 months of eligible payments toward PSLF. I spoke with a customer service agent who acknowledged the errors made in my account and assured me that it was a result of " rushing '' to get my account set up and that it would be corrected. Now, 6 months later, while I have had my monthly payments auto-debited every month, my qualifying payments toward eligibility for PSLF has not been corrected, and has not been accruing as these payments are made. For 60 days I have been trying to reach a customer service agency at XXXX XXXX to no avail, when I call there is an automatic message saying to call back another time, their online chat feature is unavailable, and I have received no response to email.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hi, On   XXXX   XXXX ,  XXXX  I made a pay ment to Navient for my student loan account for {$500.0 0}. That {$500.00} amount was taken out of my checking account, but only {$400.00} was recognized as a payment by  Navient. I  do n't know what happened to the {$100.00} difference, but I suspect this is not the first time since  XXXX  when I consolidated my loans with Navient. I can provide evidence of how this payment was charged on my  XXXX   XXXX  account and on t he Navient si de as well.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: PNC Bank issued a check to us to the wrong address in XXXX 2013. We have repeatedly contacted them to reissue the check to us at the correct address without resolution or response. The check is in regards to a settlement with federal regulators for fraudulent and faulty foreclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. 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 11/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Representative, After hard time of foreclosure, job loss and eviction, I was able to step on my feet financially and handle life as self-employed person ( I am XXXX and there are n't too many employment options for me ). I worked on establishing good credit again and with satisfaction observed how my old collections disappeared from my credit report, when suddenly and by chance opening XXXX, I saw XXXX separate collections XXXX collector, related to XXXX. They ruined my credit score from XXXX to XXXX, and I am in panic. I never received any mails or calls from them. 
The case is that I worked in this city XXXX, and during work time should go every 2 hours to turn my car from back site city parking to front site city parking. It was silent agreement between my company and the City to do this. The City XXXX practically did n't have at this time any free parking, and the XXXX company I was working for did n't secure for me a parking permit for entire period of my employment, which was 3 ( three years- XXXX till XXXX ). I did what it takes, even my work as XXXX employee for a large company did n't allow a lot of time, and importantly, to think about my car when under pressure to make more and more sales. 
Now, after exactly 5 ( five ) years being not employed from such company, and making my living alone, I was slammed with this collection. 
I wrote letters to the collection agency and Transunion about this issue and will expect their answer. 
Once in a past I had your help, when a collector pretended some money for my foreclosure by using my home purchase 's closing paper file ( I still wonder how they reached this file ). I very much appreciate your timely help. 
Unfortunately, now I have another case. It will be up to your competency to decide what action to take. Whatever it is, I will never forget how you helped me before. 
Thank you for all your efforts and professional work : XXXX XXXX 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 02/28/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Trouble during payment process

Complaint: Balance of insurance money to finish up the house ... received letters from Chase ( 2 attached, dated XX/XX/XXXX & XX/XX/XXXX ) that if the inspection report came back at least 90 % they would release the balance of the insurance claim money. 

Inspection was done on XX/XX/XXXX and report states that we are at 90 %. This report was sent to Chase. Chase sent it back to the inspector state8ing that the homeowner canceled the inspection ( which was not true ). Inspector was at the property inspected the property and had the contractor sign the report, also showing that they were on the property and had completed the inspection. The inspector sent the report back to Chase stating that the homeowner did not cancel the inspection and that the inspection was complete and the inspection report was complete and sent the report back to Chase. Chase has had the report for 2 days. I called Chase yesterday and the Chase representative stated that they were still waiting on the report ( when in fact they had received the report 2 days prior ). Just yesterday my contractor received 3 or 4 calls from other inspection companies hired by Chase to come and do an inspection for 100 % ( we just received the inspection that came back at 90 % last week, all that is required by Chase in their own words ( SEE THE LETTERS ATTACHED ). It seems to me that Chase is playing games and keeps changing their own rules that they have set and actually put in writing to me in the two ( 2 ) attached letters. This is WRONG ON EVERY LEVEL. The ONLY resolve for this issue is that Chase release the balance of the insurance money!!! ASAP, the only resolve after that would unfortunately be a lawsuit ( I WILL HIRE A HIGHLY QUALIFIED ATTORNEY TO SUE CHASE FOR DAMAGES ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Stolen identity from a stranger.

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 05-06-2017 about Mortgage (Conventional home mortgage) with KONDAUR CAPITAL CORPORATION (CT).
Issue: Struggling to pay mortgage

Complaint: Even though I 'm eligible and can afford it, Kondaur Capital Corporation only offered me an unafforable payment arrangement. I received a letter on   XXXX   XXXX   XXXX     telling me that I was denied a payment arrangement because the payments that they want me to make are " unaffordable ''. They want me to pay my {$33000.00} in arrears over 12 months plus make my regular monthly mortgage payment of {$1400.00} which would total approximately a {$4100.00} monthly payment. I would like to keep my home of 18 years. My loan was originally an FHA loan and after much research, it has come to my attention that  Kondaur  is a  XXXX   XXXX  investment company which means they bought my loan at a discount meaning they can reduce my principle if necessary.

Company response to consumer: Closed with explanation