milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian will not investigate inaccurate personal information or inaccurate accounts on my file nor provide me proof per FCRA of how they are verifying inaccurate information on my credit file. Simply telling me its verified is not sufficient per FCRA laws.

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 10/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XX/XX/XXXX - Tried to apply for a loan consolidation of both federal and private student loans to hopefully lower my monthly payments between the XXXX ( currently paying {$420.00} for My Federal Loans and {$300.00} for Navient Loans ) ; was ultimately denied because debt to income, too little in the savings ( recent 1st time homeowner and I am a mother to a XXXX XXXX XXXX that I will have to start paying to put her in a preschool ) XX/XX/XXXX - called Navient to request information as to why my student loan payments continue to go up during the 2017 year. This XX/XX/XXXX payment will be the 8th time since XX/XX/XXXX that my monthly payments have increased for Navient student loans. They never send me any email correspondence or anything in writing indicating that my monthly payment is increasing. ( the only time I find out is when it is pulled out of my account ) XX/XX/XXXX/XX/XX/XXXX - applied to release my cosigner on my Navient student loans ; was denied because my " debt to income '' was too high. Also during this time period I tried to discuss with Navient to reduce the percentage of interest that keeps getting increased on my student loans and they informed me that they would need my cosigners information. My cosigner is my mother who will be XXXX XXXX XXXX in XX/XX/XXXX, she works maybe XXXX hours a week at a supermarket for {$10.00} an hour and the rest of the time she is generously helping us by watching my daughter because we can not afford to put her in a daycare program with my student loan payments/ mortgage payment/ household expenses/ credit cards/ medical expenses ( LIFE ). 

XX/XX/XXXX - spoke with them about why the interest rate increased on my student loans and Navient was very vague when discussing with me that I have a variable loan interest rate. NEVER once did they send me confirmation in the mail that changes to my account were going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Payday loan () with National Credit Adjusters, LLC (VA).
Issue: Can't contact lender

Complaint: A company called National Credit Adjusters called my wife and left a message for me to call them back I was to call XXXX at XXXX. I returned the call, she said I owed about XXXX dollars for a XXXX XXXX pay day loan from 2013. I said I do not remember this and have not seen it on my credit report. She tried to talk to me about filing a police report. I asked them to send me the source documents, I asked for any history, contract anything they had, she said ok and put me on hold. Then a man answered who was loud, rude and bullying, he was asking personal questions and refused to agree to send me the source documentation or history. I was nervous because they knew so much of my personal information, he even went as far to ask if I was married and accuse my wife of taking out a loan and not telling me ( I wasnt married at the time of this supposed loan ). I asked to speak to a supervisor several times, he kept saying ok but continuing to ask me questions and would not agree to send me the history of the account. I wanted the history of the account, so I can see for myself what it is and research it. They kept asking if I was claiming fraud, I said I did was not because I need to see the documents and review them before I decide if it is something I did or paid or what it was in regards too. Finally they transferred me to a supervisor, he said he was the floor supervisor. He was polite and apologized at first for the other individuals comments. Then he started asking me very personal questions and I refused to answer. I gave them my updated address and asked for the source documents again, they claimed they did not know what I meant. I specifically asked for any history, contracts, original creditor info or anything they had, they said they would file it as fraud and kept asking if I was claiming fraud and what my bank account number was. I just kept asking to please send me the information. Then he said he was going to sue me, I said go for it, he said now I have you recorded saying to sue you, I said if that is what it takes to see the documentation then ya sue me. I also informed them I was military, the man then said he was a XXXX XXXX ( was obviously lying ) and said I would be in trouble with the XXXX for this. I am nervous about how much they know about me, they new my family members, old addresses, and the banking institution I use. They were defiantly harassing and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Vehicle loan) with Friendly Finance Corporation (MI).
Issue: Problems when you are unable to pay

Complaint: I have told my loan company not to call me at work. It is against our company policy to get personal phone calls. I have been warned by my employer once already. I informed the finance company on XXXX occasions not to call me at work but they continue and say they do n't have a note of it. They do not try contacting me on my personal cell phone, they only call me at my work number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: DIVERSIFIED CONSULTANTS INC reported to my credit report XXXX XXXX XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XXXX with the amount of {$540.00} being owed. None of the information Diversified Consultants inc is reporting is accurate, along with the fact that I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I discovered on   XXXX   XXXX   that I was a victim of Identity Theft / Bankruptcy Fraud / Credit Card  / Loan & Medical Fraud,  Since or Before   XX/XX/XXXX   to Present Date. I have tried to dispute the information on my credit report with  XXXX  and TransUnion via  XXXX   XXXX  as best as I know how, I have been successful in getting a lot of activity removed from my credit bureau accounts. But am still having problems getting the following removed.     The following information is not mine, but the person causing fraud ...     *These are the collection accounts that are reported as open on my credit report.     Credit Report Bureau -   XXXX    XXXX   XXXX   XXXX  -   XXXX   XXXX   XXXX   XXXX   Balance {$160.00}  XXXX  Open accounts reported on  XX/XX/XXXX .     *Account #  XXXX  Balance {$83.00} Original Creditor name -   XXXX   XXXX   XXXX   XXXX   High Balance {$83.00} Opened Date  XX/XX/XXXX  Last Reported  XX/XX/XXXX  Responsibility - Individual Account Remarks - Medical *Account #  XXXX  Balance {$83.00} Original Creditor -  XXXX   XXXX    XXXX   XXXX   High Balance {$83.00} Opened Date -  XX/XX/XXXX  Last Reported -  XX/XX/XXXX  Responsibility - Individual Account.   Remarks - Medical *Credit Inquiry VIA  XXXX  *Creditor Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removed By* -  XX/XX/XXXX  Type - Miscellaneous Utilities *Creditors Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removal Date -  XX/XX/XXXX  Type - Mail Order Firms Info via TransUnion : - Credit Inquiry - Creditor Name -  XXXX  Inquiry Date -  XX/XX/XXXX  Removed by* -  XX/XX/XXXX  Type -   XXXX   XXXX   XXXX   XXXX    Contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  *Public Records Details Via   XXXX    : - Bankruptcy -- Discharged  CH- XXXX  -- Reference Number -- Date Filed -  XX/XX/XXXX  Date -- Status  XXXX   Discharged CH  XXXX  Amount -- Classification -- Responsibility - Joint Asset Amount  -- *Credit Report Bureau -  TransUnion Balance {$0.00}  .     XXXX  Open accounts reported on  XX/XX/XXXX .   This agency did not report an open account to this bureau.      *N  ames  Reported on TransUnion and  XXXX   :  - *  XXXX     XXXX , Last Name *Last Name,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  Addresses Reported on TransUnion and  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   Employers  Reported  :  - *  XXXX   XXXX   XXXX   Date Reported  XX/XX/XXXX   XXXX   XXXX   XXXX   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 11/16/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The individuals are presenting themselves as an attorney and are bombarding my geriatric parents with threatening messages via telephone. The reported on a message to my parent 's they would contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX 
Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. 
Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. 
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Equifax numerous requests to investigate and remove accounts from my credit report/file and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: I made an ATM check deposit of {$24.00} but Chase bank made a mistake and reported it as {$920.00} on XXXX/XXXX/15. They corrected their mistake on XXXX/XXXX/15 2 months later and debited {$900.00} from my account without my knowledge or notice and over drafted my account. I made a car payment online on XXXX/XXXX/15 and XXXX received that payment on XXXX/XXXX/15 before Chase decided to correct their error on XXXX/XXXX/15. Chase then decided to return the payment from XXXX and disregard my car payment that was processed before their adjustment. I think this is illegal and ridiculous that a bank would process a transaction to benefit and correct their mistake. Transactions should happen in chronological order not when Chase feels like honoring and online transaction. They should be responsible for their mistakes and not penalize their consumers for their negligence. My car payment should have been processed because there were sufficient funds in my account at the time the transaction was made. Chase should be responsible for honoring my car payment and take care of any fees assessed to me by XXXX. Transactions should be placed in chronological order.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.

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 01-02-2017 about Debt collection (Auto) with United PanAm Financial Corp. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me 15 to 30 times a day and keep asking for money and they call me and my husband. I pay a payment and they call that afternoon about my next payment. I admit I was 30 to 65 days behind because of medical issues or the fact my husband was out of work. I admit that but I have tried to pay payments when they are due and when I pay two payments they still call when my payment payment is just 2 or 3 days past due. I want them prosecuted for harrassment for XXXX on my life I get so upset cuz they call and just keep wanting a date that I can pay and when it 's gon na get pd and when I give them ideas on how I can pay them they say you ca n't pay it that way u need to do it immediately or we are coming TODAY RIGHT NOW to pick the car up. When in the agreement it states that they only come after the vehicle when it is 90 days past due that is the only time they can threaten this. Please help me I have a lot of stress on me being a one paycheck household and I had to get boarders to live with me just to get my rent pd so it 's not like I am trying not to pay. As of right now I am 14 days past due and this am they added a whole bunch of late fees etc to the payment I need to make after another person took them off when I paid my payments up to help me. It is United Auto Credit and I want to press charges for harrassment and XXXX on me. Thank you. XXXX

Company response to consumer: Closed
Consumer complaint received 03-10-2017 about Credit card () with Colony Brands, Inc. (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.

Company response to consumer: Untimely response
Consumer complaint received 03/27/2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo took out reverse mortgage on a rental property I had instead of on my home, which I needed one on to pay mortgage and to remove husband 's name from it per divorce. This eventually forced me to move to that house, and my ex husband filed lawsuit for contempt!!! So I was forced to sell my long time home and move to unsuitable property that I could not XXXX ... All because of predatory reverse mortgage. The salesman came to my home twice ... .Knew it was my beloved home. Then at " closing '' XXXX strange unprofessional men I never saw before came to my home ... .When I changed mind about the loan they got angry, said they were in a hurry, threatened me that if I did not initial papers ... .Huge! Stack ... I would never get reverse again. I was never given time to even look at papers ... .Now, I find out they were robosigned by XXXX XXXX XXXX vice president ... .They wo n't say who owns loan, wo n't let me repay the taxes they paid,. Denied Hardship the promised ... .I am XXXX with XXXX and XXXX and the are throwing out on street!! In four weeks I have no where to go and too I 'll and XXXX ... .Barely out of bed!! Can you help me please.

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 04/28/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: TD bank refuses to return my money, with adequate response, after a claim was submitted. XXXX scammed me out of my money and the bank refuses to return it. I ca n't eat and that money is federal and they do n't allow me to use it the way ti was given t me. Food, clothing, and shelter. XXXX number is XXXX. XXXX XXXX. Wo n't give me my money for the amount of {$580.00} dollars which was given in response to a loan which I was to receive. And I received nothing with a amortization of XXXX dollars a month. The police refuse to help and the money is federal from XXXX and I ca n't eat or sleep. Because they refuse to pay. I have insurance from XXXX XXXX XXXX and XXXX with XXXX XXXX I ca n't get any reciprocity in court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My account balances are not reporting correctly on a few of my accounts in my credit file.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been paying my loan with Navient since I graduated in 2009. I have n't missed a payment. My current balance is {$8600.00}. The original loan amount was {$9000.00}. How am I supposed to get ahead at that rate?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Federal student loan servicing) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out a student loan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in  the summer of XX/XX/XXXXto attend XXXX University. My mother, father, and grandmother are co-signers. At this time I was led to believe that HESAA was a federal loantheir literature said that they were federal and there are photos of Governor XXXX XXXX and the New Jersey state seal on their website. I took out another loan, again with my mother, father, and grandmother as co-signers, through HESAA in XX/XX/XXXXto attend graduate school at XXXX University, again believing that it was a federal loan. I began to make payments on the loans in the fall of XX/XX/XXXX, after I discontinued my graduate education. At this time, I realized that they were not federal at all, given that there were no options for income-based repayment. Ever since, I 've been dealing with their exorbitantly high repayment options and inhumane methods of communication ( constant phone harassment and very rude customer service reps ).

Company response to consumer: Closed with explanation