milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (AL).
Issue: Problems when you are unable to pay

Complaint: Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. 
I am not disputing the debt. But would like to settle for 50 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Settlement process and costs

Complaint: Ocwen aquired my loan from Littion loan in XXXX 2013. I paid lotion loan for XX/XX/XXXX and revive a letter that I was in default with Ocwen for not paying XX/XX/XXXX payment. After a lot of frustration I paid Ocwen for XX/XX/XXXX as well. Three months later I revived a notice that my loan was in default for nonpayment. The payments I was sending went into a holding account and late fees were applied. I reinstated the loan with the amount Ocwen said was due fees and charges etc. After reinstatement three months later I received a default letter that said my payment were being held in a holding account fore there was an unpaid balance from Littion loan. I do n't understand why when I reinstated the loan the fee was n't included. After 10 months due to a death of my wife I cashed in my XXXX to reinstate the loan once more. At this point it 's impossible to refinance to get away from Occwen because they distroyed my credit. I rienstated the loan again my first statement had a balance of XXXX when I asked why was n't the amount included in reinstatement amount they said it was a baleance left over from Littion Loan. They will not accept a payment unless it 's certified. When the loan was reinstated for the 3rd time they automatically withdrew the monthly payment from my checking account on the XXXX of the month. They say I set this auto payment up but it 's impossible i never did. Now I have no more saving to reinstate the loan and I have paid them XXXX majority of fees and late charges. I am completely helpless I do n't know how a company can get away with this kind of service. They ruined my life I ca n't even get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I RECEIVED A COURT DOCUMENT ON XXXX XXXX, 2016 STATING I HAVE A MAGISTRATE HEARING ON XXXX AT XXXX XXXX. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX XXXX AT XXXX XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XXXX however the company did not post it CLOSED until XXXX the Credit Companies are reporting an ok Rating from XXXX thru XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Closing/Cancelling account

Complaint: Dear Madam/Sir, I received a credit card from Coamerica Bank. Before using I called customer service to get approval. They now have cancelled my card. Please help me. 
I am faxing my support documents of XXXX pages @ fax # XX/XX/XXXX. Thanks for looking into my issue. 

Very Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

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 03/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I was charged overdraft fees for XXXX tranactions. Although, I had the available funds. There is a reduction balance for the XXXX transactions charges, but you do not see thats its deducted from the overall charge its show as pending status. If it showed the deduction and the overall balance amount, I wouldnt have aquired those fees once a check when through that had my balance over drawn. This is a constant issue that I have with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In addition to attempt to communicate an issue to someone whom barely speaks you language with television and or radio in the background. 
Please see attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I HAVE ASKED TRANS UNION TO CORRECT MANY MANY ERRORS IN MY CREDIT REPORT. AFTER THAT I NEVER GOT A RESPONSE. SO I ASKED TO SEND ME THE CORRECTED REPORT. THEN ASKED MY ALL KIND OF DOCUMENTS TO HARASS ME. I SENT THOSE DOCUMENTS ( DMV AND BILL ) NOTARIZED. TRANS UNION WANTS SAME AGAIN AND AGAIN. AT SOME POINT I WANT TRANS UNION TO STOP HARASSING ME TO GET A CORRECTED CREDIT REPORT. TRANS UNION NEVER SENDS CREDIT REPORT WITHOUT HARASSING ME FIVE TO SIX TIMES. I AM SICK AND TIRED OF THIS HARASSMENT - THERE IS NO REASON FOR ME TO NOT TO GET A CORRECTED REPORT, AFTER DISPUTED VARIOUS ELEMENTS IN THE CREDIT REPORT.

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 08-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm tired of them not updating my balance to people so they can see my balances and I 'm also tired of have money then week later it just disappears because there balance system does n't update right nor on time.

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 04-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One placed a Judgment against me in 2011 for a debt I owed. My paycheck was garnished until the debt was satisfied. I have the satisfaction letter from the courts that the debt was paid. Now years later I am being harassed by the company Capital One uses to handle their collections. They claim I never paid the debt and are trying to get me to pay more money to satisfy the debt a second time. I have repeatedly told them that it was already taken care of and they will not listen. I try to call Capital One directly and they transfer me back to the collection company. To make it worse, Capital One is still reporting to the credit bureaus that I owe them money. I have sent numerous disputes to the bureaus to have this corrected and they are violating the Fair Credit Reporting Act by still reporting the balance. 

Please please help so I can move forward with my life!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ACCELERATED FINANCIAL SO XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This company contacted me twice claiming to be a legal " skip tracing service '' in XX/XX/XXXX and XX/XX/XXXX. 

They expressed that they were attempting to collect a debt on behalf of XXXX ( when I returned the call. 

I expressed to them very clearly that I have not had XXXX service since early in XXXX, 12 years ago. They expressed that they purchased this debt. 

I neither owe, nor recognize any debt to this company or XXXX. I was paid off with them when I closed my account in XXXX. 

Further, upon request for information to be sent to me about this debt, I was refused. 

This company has gone as far as to file this as a negative on my credit report. I am disputing this with the credit companies currently as a fraud. 

Per my understanding 1 statute of limitations for collections is 4 years and statute of limitation for credit reporting is 7. Even if this was valid, it would fall well beyond both of these. 

I am further concerned that I was unable to receive ANY written documentation from them when requested yet they had no issue placing this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has been illegally re-aging both of my student loans. My student loan accounts with XXXX should have been deleted in XX/XX/XXXX. Experian told us that is the date both accounts would be deleted after investigating in XX/XX/XXXX on the deletion date.

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 04-11-2017 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Other

Complaint: XXXX CT XXXX VA XXXX Amazon Prime Store Card XXXX Synchrony Bank Will not report my good payment history to XXXX credit reporting agencies it had been over six months and they still have not re ported my payment history or my correct balance XXXX, FL 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 12/17/2016 about Credit card () with U.S. BANCORP (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I pull my credit file and I saw this credit card company on my credit report that I did not apply for ELAN FINANCIAL SERVI Acct # XXXX. I reach out to this company about this credit card and ask them to provide me with proof and to verify this is my account. Also the company has not provide me with any proof and this is still on my credit report please help me with this matter..

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 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have been banking with Navy Federal Credit Union since XX/XX/XXXX!  Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my credit card balance, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. 
They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX, I co-signed for a student loan for my nephew from a private bank which was not backed by XXXX XXXX. He graduated in XXXX and unbeknownst to me was making payments sporadically. 

In XXXX, I had to declare bankruptcy due to medical reasons and all my debs were discharged in by XXXX XXXX including my nephew 's student loans. 

My nephew stopped making even his sporadic payments and XXXX came after me. I informed them and submitted to them my bankruptcy discharge papers to them. This did not satisfy them. They kept calling and harassing me. 

Eventually they sold off the loan and my nephew ended up paying off the loan in full in XXXX yet XXXX kept reporting on my credit report and impacting my credit score as a charge off. 

To add insult upon injury they provided my nephew with a letter but they refused to provide me with a letter saying my name is not on the account. I have tried to dispute the account on my credit profile but the idiotic incompetent agencies keep listing this debt as verified and accurate. They then advised me to call the number on the credit report. 

When I tried to call the number on the credit the number of course was disconnected!!! Equifax, XXXX and XXXX are totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Medical) with Capio Partners, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In XX/XX/XXXX I had ID theft. Someone filed my taxes and received the funds. I have since found addresses, accounts and received mail that is not mine but, is in my social and date of breath. Information on car from XX/XX/XXXX till XX/XX/XXXX. I am sent a security pin to use for filing taxes now. It was verified by IRS.

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 08-12-2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing incorrect information on my credit report. The credit reporting agency let me log into my account ( using the same information I provided ) and then would not let me dispute it ( using the same information I provided ) because they said it did not match. I entered the information exactly as it appears on my government-issued driver 's license. I do not have a fax to fax them things and am not going to pay to correct THEIR PROBLEM. I get sick of correcting things non-stop on my credit report and want an actual telephone number to speak to a person. I am not going to continually expend resources to correct their problem. Here are the accounts that they are incorrectly reporting:1. XXXXType : Student LoanAccount number : XXXXaccount holder : Individualdate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
2. XXXXType : student loanAccount number : XXXXAccount holder : Individualdate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXXType : student loanaccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXX XXXXType : student loanAccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
So I got all of this information from my online Equifax credit report, which they let me see but not dispute. I am not going to spend one dime fixing this problem. I get sick of doing it continually.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 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 belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from 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