milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Student loan (Non-federal student loan) with Riverwalk Financial Corporation (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I 'm former student of XXXX college XXXX XXXX CA XXXX. After this campus closer they have handover lender to collect XXXX loans to one lending company XXXX amount of {$3300.00}. And I have start to paying my outstanding amount with them in monthly basis. And in the meantime another lending company Deville Asset management reached to to my credit reports and they do the collection in my XXXX credits. 
I spoke to them and they promise to remove my collection from my credit reports. But nothing happened yet. I have reported to XXXX and still under investigation. I need to take out my collection from my credit report and increase my credits score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.

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 05/30/2017 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 information incorrect

Complaint: First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was financed by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original loan of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX , Experian,  XXXX . Unfortunately i 've tried to resolve the issue with   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 01-08-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Continued to call during all hours of the night and repeatedly contacted on Sundays all day

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: wells fargo refusing to issue statement for auto loan itemizing fees and interest never received statement called several time all 4 reps were unable to provide resolution or explanations

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 12-12-2017 about Money transfer, virtual currency, or money service (Money order) with PLS GROUP, INC (NY).
Issue: Lost or stolen money order

Complaint: COMPLAINT DETAIL XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I purchased a money order, for cash, from PLS Check cashers at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The money order was for {$500.00} and was payable to XXXX, my landlord, for my monthly rent. 
I mailed the money order to XXXX at XXXX, XXXX XXXX # XXXX, XXXX NJ XXXX. XXXX informed me that they did not receive the money order and after PLS researched for me I was given a copy of the money order which had been fraudulently altered to be payable to XXXX XXXX, to the order of XXXX XXXX XXXX. I do not know either XXXX XXXX or XXXX XXXX. 
On XXXX/XXXX/XXXX I completed an Affidavit of Alteration and was told by XXXX, Store XXXX at XXXX XXXX XXXX XXXX, XXXX, NY XXXX that it would take 6 months to research my problem. I also filed a police report. 
After 6 months I was told the research would take a year but I still received no information. I consulted with XXXX XXXX XXXX who also called PLS and were told that the research would take 18 months and no further information was available. XXXX XXXX XXXX wrote on my behalf to PLS and to XXXX XXXX, XXXX XXXX, Illinois the issuers of the money order but no further information has been received. 
It is now 21 months since I filed my Affidavit of Alteration. I believe I should receive repayment of {$500.00} or an explanation as to why that is not possible.

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 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports.

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 02/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I would like to lower my monthly payment, or see what my repayment options are, and Navient is not allowing me any options. I explained that I wanted to use the avalanche repayment method and take control of my debt, and that I could not afford my upcoming payment, which is {$400.00} higher than I 've been paying for the last 5 years. They have offered no help, and I feel that I do n't know what my options are and that information is being kept from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect information on my credit report. I paid on time but the creditor took 4 months to process my payments which in turn made me look like i was late and they are not disputing that the problem was on their end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: account mismanagement issue

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house!

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 01-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My bank recently closed my bank account due to an reporting by Bank of America to XXXX XXXX XXXX , XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently Bank of America reported me to XXXX TWICE by in 2011 and I did n't find out until recently or even why!! I contacted bank to ask to remove XXXX XXXX report and they said since its from 2011 they ca n't see that far back and that its was written off. They then invited me to open a new account ... Please make them remove the XXXX XXXX XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my report, information belongs to someone else. XXXX BANK opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.

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 02-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Taking out the loan or lease

Complaint: I bought a XXXX Dodge Journey from XXXX XXXX XXXX in XXXX. The dealer charged me XXXX dollars for the car with 29.95 % interest which means XXXX dollars for 72 months in terms. The monthly payment was XXXX dollars .When I found out in the market the real value of this SUV was XXXX dollars, I called them to let them know the contract was overpriced.They told me the federal regulations allowed me to bring the car back after 48 hours.After two months I could n't afford to make a payment, they took the car and sent my name to the credit agencies.Few months after they called me and made an arrangement for a settlement. The settlement was XXXX dollars to pay off. I did pay that XXXX dollars but I still have negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: I received my refund, a check for XXXX dollars from my school ( XXXX ) that I placed into my bank account with Suntrust on Thursday. It was available on Friday and i took out {$2100.00} to pay up my rent, immediately after that it was {$4000.00} hold on my account and no one has been able to tell me why. I have a very severe need for my money now. I have bills that have went past due, due to the holds on my account, I had to cancel a business trip for this weekend and I am unable to pay for my child day care. Suntrust is telling me there is nothing they can do and i have to wait until XXXX/XXXX/16 because my account is under '' review '' and they will not tell me why its in review. That would be one full week without having any money and no one being able to tell me why.

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 monetary relief
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX XXXX Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from Citibank needed as my debts with Citibank were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach two recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the XXXX, XXXX Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : Citibank , NA no longer has a legal right to collect under restrictive guidelines in the XXXX Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, Citibank had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX , XXXX and a debt collector named XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX , XXXX. There is no historical connection of a purchase of any debts from Citibank , NA, and my information was obtained by an illegal debt pooling process Citibank uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX , XXXX . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by Citibank , NA, XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX permanently. A follow up complaint will be submitted to the XXXX, XXXX Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.

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 03/25/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed several accounts in XXXX with Transunion and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from 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 non-monetary relief
Consumer complaint received 07-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2017, I sent {$220.00} to my friend, XXXX XXXX, who resides in XXXX XXXX, XXXX. The money, Transaction # XXXX, was sent through Western Union at the local, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The funds were sent on a Saturday afternoon. Unfortunately, the next 2 business days ( Monday & Tuesday ) in XXXX were holidays, and the banks were not opened. On the Wednesday, XX/XX/XXXX, Western Union in XXXX, paid the funds to someone claiming to be my friend. XXXX XXXX does not drive nor own a car, and lives about XXXX miles south of XXXX. She did not pick up the funds. Upon learning that the funds had been claimed in XXXX, I contacted Western Union, and filed a complaint, Claim # XXXX. My claim was investigated according to XXXX XXXX, and determined that it had been correctly paid. I asked how that was possible if XXXX XXXX had never been contacted? No reply. So, I believe that inside Western Union in XXXX, someone intercepted the transaction. Western Union does not care if XXXX XXXX actually received the funds. This can not be accepted as right, just, nor business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: A check of whether my data and my husband 's data was taken in the XXXX breach resulted in a " your data may have been compromised '' response on the XXXX website. As a result I put freezes on our data with all 4 credit reporting agencies and then requested annual credit reports from all of them. The Experian report displayed a phone number that was not and never has been mine. I called experian on X/XX/17 to ask why an unknown phone number was on my credit report generated that day. They stated that it might have come from a creditor but could not provide the name of the creditor and the rep laughed at my concern when I asked for an investigation into what creditor sent them the data. I asked for a supervisor to get more information and he then hung up on me. I opened a dispute on the info within the online version of their credit report but their phone response was unsatisfactory, rude and unprofessional. Given the seriousness of this data breach none of these agencies should be treating these issues so carelessly. I have just received via email the results of their " dispute '' followup on the incorrect phone number. It just states that the phone number has been deleted from my report. This response does not explain how the incorrect phone number was added to my credit report in the first place. If they are that sloppy with my basic information he can we trust them with this critical data?

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 03/21/2017 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: I ca n't pay no more the apartmente because of XXXX. I want to deen in lieu the apartment but the bank do n't want to received it.

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