milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: To Whom I t May Con cern, I am writing to this office becaus e two years ago I discovered that my mother had taken out a private student loan in my name   through   XXXX   XXXX   more than 10 years ago. It was a {$5000.00} loan that has ballooned to almost {$20000.00} now. This is the ONLY private loan on my record because I was always diligent to never take out a private loan because of their high interest rates.     My loan has been repeatedly sold to different collection agencies and I constantly explain to them over and over what happened. Each agent would advise me to get a police record but I did not want to do that for several reasons :  1. The statue of limitations 2. It 's my mother 3. My  mother was diagnosed with  XXXX   XXXX  in  XXXX  and can not be held liable for anything. Unfortunately to make it even worse she just passed away in   XXXX   XXXX  .     I want to get this off of my record and I want these  collectors to  stop calling me but I do n't know what to do.I filed a Chapter  XXXX  bankruptcy in   XXXX  . I think Navient now holds this loan. I would employ a lawyer but I ca n't affor d one. Can  someone from this office help me?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and Transunion because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX  but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from Transunion and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

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 Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX XXXX FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX CO, XXXX CARD, XXXX XXXX/XXXX, XXXX CO, 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 ). ALL FRAUDULENT INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account needs to be deleted Immediately!! The company has sent me a letter stating it will be deleted and is still remaining on my credit report. Attached is the letter I received.

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 04-07-2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
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: Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XXXX XXXX, XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XXXX XXXX, XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of Walla Walla (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had my wadges garnished in the amount of over {$4000.00} for a fine from district court that was {$1300.00}. The last payment/garnishment was 3 months months ago. In fact they garnished extra and refunded me over {$800.00}. I thought great that 's over. Well this week I get a bill for a remaining {$24.00} that has collected Intrest over the past 3 months making what they are charging me {$250.00}. I called and asked for an explanation and well no answer just run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA loan with Pacific Union Financial. Before I closed on the loan I attended mandatory HUD counseling at which they told me that after my taxes are paid then I should demand a refund of the tax overpayment. I did that in XXXX and was given a refund of the overpayment in taxes on XXXX/17. Recently my taxes were again paid and I have an overage of greater than {$5000.00}. The bank is refusing to give that money back to me as per HUD guidelines and say they want to hold onto the funds until the end of the year for no reason than because it is a new loan ( which it is not ). I am requesting assistance in getting my money back from this bank. I am concerned that the funds are being misused and that is the reason why they are refusing to give me back the excess taxes I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently received an identity theft alert on   XXXX   XXXX   from the  XXXX  service as I was a recent victim of the    XXXX   XXXX   data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on   XXXX   XXXX   by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file.       Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for.     I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has  Transworld sent m e any correspondence or bills tha t I may review o r dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It was a great hardship for me to get a loan modification from JP Morgan Chase in 2012. They service my loan in my name, but the property this loan is on is in a XXXX Trust for my daughter, XXXX XXXX, who is XXXX. They refused to give us a hardship HAMP modification solely on the grounds that the property was in trust. SO we had to serve Chase Lawyers. Finally after two years, we were given a HAMP mod in 2012. Unfortunately, Chase did not keep their agreement to keep our loan payment affordable. They only lowered the interest rate a portion of a percent. Then in the years to follow they have increased the payment by over {$200.00} a month, making it too high for us to pay. The reason they gave was that there were " mistakes '' made on the escrow account. They have done this twice and despite numerous letters asking for explanations they have refused, only saying it is was a " mistake ''. This year I received a notice from the Tax Assessor in XXXX XXXX County, saying that a " fine '' was attached to the property. I called and talked to them. They said the fine was to be paid by CHASE, not by me, and levied because Chase failed to notify the tax assessor of the modification. Chase however, attempted repeatedly to claim that I was the property owners responsibility. We got a chase supervisor on the phone and conference called the tax assessor and they repeated that it was Chases debt to them. Chase said they would remove that from our escrow account, but I do not believe they ever did. We believe this is against the law, not to mention and incredible abuse of power, committed against and elderly man and his XXXX daughter. We are seeking to have our mortgage reduced back to its original amount and Chase is not saying again they can not do that because it is in trust. It is outrageous. And we are well aware that the small increase in our property tax this last years could in no way account for the drastic increase in our payment. We desire to have our payment modified or reduced to the original amount and that any increase be justified as related to our financial burdens alone, such as increases in tax and insurance ( which has not increased ). Any mistake that may have been made are not our responsibility and must be adequately justified. My XXXX daughter is recovering from XXXX, she has XXXX. Moving her now may XXXX. XXXX. She is very ill and it is highly damaging for her to be put in this position by this bank. Please help us to get our mortgage lowered to its original rate or accomplish a modificatoon and get explanations for the increases. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a credit card that does not show on my Trains Union report. How do I get credit card on my score?

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 03/13/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawful add inquiry to my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other transaction problem

Complaint: I submitted a transaction on coinbase.com of XX/XX/XXXX at XXXX. It is XX/XX/XXXX XXXX and the transaction is still " waiting for approval ''. The policy stated that the transaction will be completed in 48 hours but it has been over 100 hours and I am losing on my investments. This is UNACCEPTABLE and I am trying to retrieve my investments from them and close my account. Their customer service is non-existent. It is a scam and they are locking up people 's funds and trading with it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Recovery Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently filed a complaint against this company for attempting to collect a debt that is not mine. The complaint number is : XXXX The company responded saying they could not validate the debt and were updating my credit report to say " disputed ''. This is not acceptable. I want this item that does not belong to me completely removed from my credit report. The company responding saying that the letter from XXXX relates to a data breach that happened after the account in question was opened. When reading the letter one can see that this is simply not the case. The letter says XXXX became AWARE of the breach on XXXX/XXXX/XXXX and nowhere in the letter does it state that the breach happened on that date. Furthermore I have attached a letter from XXXX bank detailing the credit hack which occurred in XXXX. As this letter from XXXX is NOT dated one would have to utilize the toll free number on the letter to inquire about any dates or details relating to this debt. Below is the text from the original complaint : I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over 1,000 people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX Bank if you would like to verify the identity theft with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: The customer relations staff at this company continue to IGNORE our problem and concerns. The keep supplying the same answer despite at least 7 times being told that this is not information that is made available to us as credit union members. They can now answer to this legally in a court of law as this is in the Oregon Justice Department and we are seeking legal counsel since they have been unwilling to do anything except patronize us. I hope in the future for the sake of other customers that they hire some people who actually are able to understand and resolve issues. We are not going to stand for being accused of fraud for paying our credit card payments from our own bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Experian, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I discovered XXXX XXXX XXXX account number xxxxxxxxxxxx XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted between XX/XX/XXXX and XX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Equifax regarding an outdated listing on my credit report. I advised them that " The listing for " XXXX '' is outdated. Please note the following The " Date of XXXX Delinquency '' is XX/XX/XXXX The account " Date Closed '' is XXXX XX/XX/XXXXEither date is beyond the seven year provision that adverse information is listed in credit files. These listed dates reflects the timeline that you should apply to determine when this account should have been deleted from my credit file. Again this merchant listing should have been deleted from my file during XX/XX/XXXX ''. 

Equifax did a slipshod investigation and refreshed the dates on the account and deemed it an investigation. The information was not removed as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation