milesbutler/consumer_complaints huggingface dataset:
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: Equifax has a duty to securely manage, protect, and maintain my personal information and the personal information of millions of other consumers. Equifax failed in its duty to protect my information and subsequently failed to publicly disclose its data breach in a timely manner to enable the general public to take additional precautions to protect their financial profile. Transparency and trust are required and Equifax is no longer a trustworthy business.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: EXPERIAN is reporting two accounts XXXX XXXX XXXX, ACCT NO XXXX and XXXX that should not be reporting as medical collections on my file.BOTH services at the original creditor were adequately insured but not properly billed.They should be removed from my file.Experian refuses to reinvestigate these fraudulent billings and collection.

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 10/24/2016 about Debt collection (I do not know) with Ascension Point Recovery Services, LLC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in XXXX Mail postmarked XXXX XXXX, 2016. This letter was addressed to the : '' The XXXX of XXXX XXXX. '' Please know that I am not deceased. I feel this is very abusive and unethical manner of trying to obtain information regarding any outstanding debts I may have. Another egregious point is they name their company Ascension Point as if it is some sort of religious or other sectarian organization.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Struggling to pay mortgage

Complaint: I am trying to work on a short sale. Home owner has been FORCED to relocate to  XXXX  PA from  XXXX  PA - abou t 230 mile  relocation.     This   XXXX   XXXX   loan is service  d by PNC. PNC stated that since the home owner is current on the loan - the short sale request has been denied.
The homeowners have struggled financially and just made a loan payment ( with the IRS tax refund they received ) to get caught up.   They do n't want to see their credit suffer.     I would like this file to be reconsidered for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian is showing an Inquiry around XX/XX/2018 for XXXX XXXX. I did not authorize this and I have attached the proof that I did not authorize an inquiry and they advised me there would be NO inquiry. It is affecting my financing and I need it removed asap! 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 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late 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 explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX PUBLIC RECORD XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Confusing or missing disclosures

Complaint: Greetings I have recently bought a few crypto currency through a app called coinbase. I extremely frustrated, and have contacted the customer support service multiple times. They locked my account because I made a mistake when creating a profile. I put my date of birth as 2017 by mistake and my account has been locked for over a month now. I called the coinbase customer line and it takes almost an hour each time to get a help desk analyst. They always tell me the same exact thing that a ticket has been creating and were working on it. I am extremely frustrated, and have not been able to make investments or get my money since they locked my account. I need your help, and would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo does not allow me to make additional principal payment from the first of the month to the final due date of XXXX of the month. I have to make the principal payment almost ( at least ) 15 days before and it is interest free for them. That is another fraud by Wells Fargo.

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 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient normally sends me a bill every month and my husband sends them a check. They have n't sent us a bill since XX/XX/XXXX which resulted in my husband missing the last 2 months payments. They have been calling me and every time I answer the phone I say hello repeatedly and then they hang up, so I thought it was a telemarketer. They finally answered today when I picked up the phone. They informed me of the past due amount. I said that I can send out a check right away explained that we have the money and we are not having any problems paying bills. Then I woman, who barely spoke understandable English, asked me repeatedly to post a payment today after I just told her that we would send a check. At this point I was frustrated be cause I had repeated myself several times trying to tell her that we will send them the money and she continued to badger me asking me to pay the bill now. This is ridiculous, they never sent us a bill and then they repeatedly ask us to pay the bill immediately. This is not the first time they have done this to me. They do n't send a bill, then they call asking for money I had no idea was due. I have opted out of email notifications for this very reason. We like our paper bills because then we do n't miss payments. It was also frustrating because the representative could barely speak English, I could hardly understand her and I should n't have to guess what the company is looking for because I ca n't understand a thing they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: XXXX CFPB : TARP Fund Recipient Bank of America violated RICO and TARP by interfering with and denying me HAMP/HARP. I demand to Close on the Refinancing effective XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 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 08-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX XXXX # XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have ask several times for receipt from this company to make sure they are a real company and that I have payed them and will not have to hear from them again but they will not send me a receipt. Keep saying that they made a note of it but I have not received a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (MN).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. 

The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. 

Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone.
This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts.
I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan service company Navient agreed to lower payment based on my income XXXX 2015. I was forced to agree to their terms over voice recording and was not allowed any other method. I then asked for documentation of the agreement so I have proof of this agreement. After 4 months of calls and emails I only now received a letter and it states ab agreement to higher payments I never agreed to. When I requested the audio, I was told I need a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been dealing with NAVIENT for the repayment of my student loansXX/XX/XXXX : agreed to paying an extra {$50.00} a month, making my payment $ XXXXmonth. by agreeing to this, I would be enrolled in an INTEREST RATE REDUCTION PROGRAM. Agreement states that after 3 consecutive payment, my interest rate would decrease from 10.17 % to .001 %. On X/XX/2017 it shows my interest rate did decrease like promised, however, my {$250.00} payments are still going to interest and not principal balance. 
I called Navient NUMEROUS times for help and explanations and could not get any answers : X/X/17 XXXX XXXX : spoke with supervisor XXXX and she stated she did not have an answer for me and she would " look into it '' X/XX/17 XXXX : have not heard from anyone at Navient since I called onXX/XX/XXXX so I called back and was told that XXXX was " unavailable '' X/XX/17 XXXX : Called Navient again and spoke with XXXX. He informed me that he emailed XXXX and that XXXX is working on the issue and that XXXX will call me X/XX/17 -- I RECIEVED NO PHONE CALLS FROM XXXX OR ANYONE -- XXXX XXXX XXXX : I called NAVIENT again and spoke with XXXX XXXX ( XXXX ) because all of the managers and supervisors were again, " unavailable '' XXXX informed me that she " cant spend the day on the phone with me because they have a business to run and that I am being redundant for asking the same questions over and over '' She was emailing a supervisor to call me back. 
X/XX/17 XXXX : XXXX called me back. Explained to me the interest, however still could not give me any information regarding past interest amounts or past payments. 

**NAVIENT has no problem tracking you down for money but when I have a question regarding my interest rated and payment I was given the " run around '' and was told I would be receiving help and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: American Express charged me a membership fee but hid the charge on my statement rather than post it online where I check everyday and where every other charge is posted. If I had n't scoured the statement, I would not have noticed it. I do n't like paying membership fees so my plan was to call and ask them to waive it or cancel my card. When I finally noticed the charge ( 2 weeks later ), I called but they said they were not authorized to speak with me - only my husband. He called a week later ( he 's busy and works 12+ hour days ) and they said there were no issues and I was able to speak with them. So they lied to me when I called on purpose so I would n't be able to ask them to waive the fee or cancel the card. I then went away for 10 days and when I came back and called them, they said I missed the 30 day window to cancel and be refunded the fee. American Express is extremely deceptive by lying to me so that I could n't get the fee waived and cancel the account in a timely manner. They stole money from me that is rightfully mine by their lies and deception.

Company response to consumer: Closed with explanation