milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All three reporting companies ( XXXX, Experian, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as 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 10/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: Loan # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX This is a sequel to Complaint XXXX. 

On XXXX XXXX, XXXX, I called Wells Fargo to make a payment, as I did in XXXX. They refused to take my payment. I sent Wells Fargo a Fax, which is attached herewith, asserting reprisal, making rules along the way to frustrate me and facilitate foreclosure by their attorneys. When I called XXXX XXXX repeatedly to me that I was behind by XXXX payments but I kept reminding that I called to make a payment, as I did the month before. She raised she would not take my payment because of the delinquency. I asked her why did Wells Fargo take my payment last month in spite of the alleged delinquency. She told me that a restriction was placed on my account. I asked why was the restriction placed but was not given any answer. I requested for her supervisor XXXX who confirmed that they would not take my payment. I advised that I will file a complaint with CFPB. 

The Fax I sent to XXXX states, in pertinent part, " I want the record to reflect that I called today to make my monthly payment of {$660.00}, as I did last month, but was told by XXXX XXXX and her supervisor XXXX that my payment would not be accepted because of a restriction placed on my account. I advised them that I will file a Complaint with the Consumer Financial Protection Bureau on the grounds that this is a reprisal and that XXXX is making rules along the way to frustrate me. XXXX minute Wells Fargo claims that payment was not made, next minute it accepts a payment and the next time around it refuses to accept payment. That is madness. This is history repeating itself. '' This is important because it establishes a pattern and practice by Wells Fargo. My original complaint alleges that I disputed the loan but reached agreement with Wells Fargo to be making payments to avoid them hurting my credit while XXXX researched my assertion. Wells Fargo began taking payments and suddenly stopped, referred the matter to a lawyer for foreclosure. I asked them why did XXXX stop taking payments and opt for foreclosure. I did n't get an answer in XXXX until XXXX Wells Fargo fabricated some falsehoods. Just the same way, Wells Fargo stopped taking payment. I do n't what lies Wells Fargo and its employee will tell you now. 

My loan balance went from {$8800.00} on XXXX/XXXX/XXXX to {$62000.00}. See attachment. I need explanation and a breakdown. 

I want a hearing and a complaint filed against Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with P&L Acquisitions LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have debts that were charged off many years ago. The statute of limitations for collection has long expired. Now, P & L Acquisitions has been harassing me for a year. Several phone calls per week telling me I must respond or I will end up in court. I have spoken directly with a human and told them I know the law and they must tell me the exact creditor, the exact amount they are trying to collect, and I receive absolutely NO factual information. I receive a letter at least once every two weeks. I finally sent a Cease and Desist demand letter to their " FAKE '' business address. After 15 days of never being an open business location, the post office was forced to return my letter as undeliverable. I demand that this scamming, illegal, fake, collection practice be STOPPED!!! Yesterdays phone call, from a female, was the worst. The woman declared she was a processor for the County ( what county? ) and that they will send my name to the Sheriff in 48 hours, for a service summons. THAT 'S IT! I 'm done tolerating this illegal abuse! P & L Acquisitions is all over the internet as a scam and moves from state to state. The supposed signature on their threat letters is also the signature of someone who has been deceased for several years now. SHUT THEM DOWN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently received a letter from Professional Credit Service in regards to account # XXXX, which was paid in XXXX/XXXX/XXXX ( see copy of Check # XXXX attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of XXXX/XXXX/XXXX which is a lot less than the {$150.00} paid then in XXXX/XXXX/XXXX. The account # XXXX was paid fully to XXXX XXXX care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of {$930.00} with XXXX, XXXX and XXXX credit agencies. I requested verification of the debt and account however the business failed to provide adequate proof that I owe TSI. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt to TSI

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Advertising and marketing

Complaint: XXXX has an ad that states you will receive XXXX % back on purchases the day you apply for your card if you are approved. I was approved for {$750.00} temp credit and {$2500.00} regular credit. It automatically went to my XXXX Pay and I went to the store and bought my items. The card was declined. When I called XXXX they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a person into opening an account.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For years, ever since I was able to consolidate my federal student loan, I have been trying to get the same done at Navient. Any time I call I get bounced around until I eventually hang up because they dance around my question. I have XXXX accounts with Navient, with 10.25 %, 7.625 % and the last at 2.875 % interest rates. XXXX of those are exhorbident and I 've tried to do everything but they 're just not helpful. I get the " oh we do n't do that '' but I know full and well that they do. I 've tried to ask about loan forgiveness and got the same response. Navient is only looking to help itself, not all of us in piles of debt for pursuing a greater education. I 'm the XXXX to graduate college.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: We applied for a lease for an apartment in XXXX XXXX, WI at XXXX XXXX. They use CoreLogic real estate credit reporting. According to CoreLogic two XXXX County court actions, both settled immediately to the satisfaction of XXXX XXXX  in XXXX, WI, have not been expunged even though all rent and fees were paid and we received our security deposit back. This is preventing us from securing a new lease. 

I contact CoreLogic the end of XXXX 2017 and requested my credit report. They said it would take two weeks. I waited two weeks and called back when I did not receive my report. They had my SSN wrong and my address wrong and said the report was returned to them by the USPS. I requested the report again and was told to wait another two weeks which I did. I still have not received the credit report CoreLogic used to deny us housing.

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 02-08-2018 about Debt collection (Federal student loan debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My student loans where discharge due to XXXX and they are still appearing on 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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX bought a old collection from XXXX XXXX XXXX it is on all 3 of my credit bureaus I called and spoke with the supervisor who seem worked up when I asked her questions about 3 accounts 1 major account in particular which is account number XXXX opened on XX/XX/XXXX she modeled me she didnt have to send out and notices about the contract/services I may have received this call was taken place on XX/XX/XXXX at about XXXX-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Pentagon Federal Credit Union XX/XX/2018

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX years old and SLS has lied to me and is trying to sell my home even though they have a complete package and are reviewing me for a modification. SLS confirmed that they have a complete file but no point of contact has been assigned to the case and they are not placing the sale on HOLD. 
Additionally, XX/XX/2015, I had explained to SLS the hardships that I endured due to my illness and increased medical expenses and they promises to lower my interest and then next thing, my home is in foreclosure. I am XXXX years old and have been in this home for 26 years and this is where I will die. I do not want to be a burden to the state or other tax paying citizen. I AM WILLING to pay my mortgage and had they kept their promise last year I would be paying a mortgage and not facing foreclosure in two days. Now, for a week they have had a full modification package and are reviewing me but are not placing sale on hold or postponing. Please help me as I have no one, All of my family is dead. I worked hard all of my life and SLS should not be allowed to kick out XXXX citizens into the streets especially after promises were made and after they are blatantly failing to comply with CA homeowner bill of rights.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified Experian of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX Credit Card XX/XX/XXXX 2. XXXX/ XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/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 non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies Equifax, XXXX and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attempted to consolidate my loans with a single provider to better manage my payments. Without my permission or consent, Discover withheld the loan they service from the consolidation. I am now facing hardship making my payments, and Discover has offered no recourse. I am frustrated that when I tried to consolidate my loan away from them, they took advantage of a loophole to avoid accepting payment from my consolidation loan provider and continue to hold my loan despite my wish to consolidate. Discover did this without my consent, and now I have learned that in order to include this loan in the consolidation, I must reapply for a consolidation and begin the whole process again from the beginning! It 's doubly frustrating because I never chose to do business with Discover in the first place ; they bought my loan from XXXX, and have now bullied me into keeping my loan with them. I do not understand how they were able to withhold my loan from the consolidation and think it is unfair that I have to pay the consequences of their predatory actions. I wish for Discover to cooperate with me in my attempt to consolidate my loan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XX/XX/2015 & XX/XX/2015 unauthorized inquiries were submitted to Experian. I have spoken to reps from experian advising that I did not authorize these transactions. The representatives advised I would need to wait 2 years for this information to fall off from my report. XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX XXXX XXXX : XX/XX/2015.

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 10/16/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. 
BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. 
XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan through Nationstar Mortgage, I have automatic payments of {$1900.00} a month that pays automatically every month. In early XXXX I received a call from Nationstar rep stating that my payment was short by {$120.00}, I asked why and they stated that escrow analysis showed that there was a shortage. I was not notified about this by either phone or email. I asked the rep why my payment has increased by that much when my insurance premiums went down and the county tax had not increased. The rep could n't tell me and told me to call the escrow department. I called escrow and asked the same question, they put me on hold for almost an hour and I finally had to hang up. I called the next day to complain and asked to talk to a supervisor, they never called me back. Now I received a letter from them stating my loan is in default. I been trying to get answers from them about my escrow for over three weeks and still have not gotten a response. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: In XX/XX/XXXX I deposited {$2500.00} cash via bank ACH to this company ( Coinbase ). They accepted my funds ( which are on deposit in their company ) but will not allow me to trade or withdraw {$2100.00} of my funds due to their automatic identity verification quiz, not being able to verify my identity. 

I 've emailed multiple times, each time getting a response saying essentially, " keep trying to use the automated system ''. I 've offered to send copies of any bills, bank accounts or any identity documents they would like, but they keep referring me to keep trying their automated system. There is no phone number for me to call or actual person for me to talk to. 

The most recent email reply from their company advised me that there is no other option than to go thru their automated identity verification system. 

Please assist, I 've been working on this since XX/XX/XXXX and every email reply says the same thing " keep trying our automated system. '' All I want to do is withdraw the money I deposited and close my Coinbase account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call multiple times a day every day of the week. One person left a voice mail message and called me a XXXX. It is not necessary to call several times a day every single day. Yesterday they called at XXXX, then 2 hours after speaking to me. After telling me the would " push '' the call ( meaning they would n't call again ) they called 2 more times. This is harassment and it needs to stop

Company response to consumer: Closed with explanation