milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Debt collection (I do not know) with Augusta Collection Agency, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I want to sumbit a complaint against Navient. I have been paying on my loan for years at XXXX a month with no end in sight. They just raised my rate to 7 % and when I called for help they told me there is nothing they could do for me, would not tell me how high they can raise my rate or how often, they said the only way I can help myself is by paying off the XXXX loan I have with them. They are criminals. They are the worst company and I do n't know how they get away with doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (WI).
Issue: Fraud or scam

Complaint: I sent money through paypal to a girl from XXXX. I sent {$45.00} she only gave me part of the deal pictures. She was supposed to give me a show aswell through XXXX but did n't. And continued to ignore me. Her name is XXXX XXXX. The transaction took place at roughly XXXX XXXX cst time. XX/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Io, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. 

XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. 

Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed in 2013 for a modification of my mortgage loan with Bank of America Home Loans. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from one of BOA 's branches. Thus, I sought help from XXXX and now XXXX, CFPB and XXXX XXXX XXXX XXXX. THE MOST RECENT WAS information SHOWING on the DEED that this LOAN IS INVALID ACCORDING TO THE RESTRICTION IN PLACE. I sent a complaint also on XXXX. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. BOA knowingly deceived me by continuing to send letters stating they needed more time to research the matter. BOA, then sold my loan to XXXX. I notified XXXX of the dispute that was still ongoing with BOA and supplied them with a copy of the certified Lien release from XXXX XXXX XXXX XXXX. In working with XXXX XXXX, XXXX are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against Bank of America for not releasing and invalid loan and making a sale to XXXX while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them ( XXXX XXXX ), which is wire fraud and XXXX for going forth with the sale after I notified them.. See case numbers Cfpb XXXX for Deed restrictions, lien release copy from XXXX and contact information on Director 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 10-06-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting accounts included in a Chapter XXXX bankruptcy filed XX/XX/XXXX as if they were current open accounts included in a bankruptcy filed XX/XX/XXXX. This case was filed XX/XX/XXXX and discharged XX/XX/XXXX and given that it is a Chapter XXXX it should not be reported after 7 years from filing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: THE HYUNDAI FINANCIAL SERVICES SENT MY ACCOUNT TO COLLECTION AGENCY WITHOUT SENDING ME THE BILL THAT I OWE AND NEED TO PAY TO HYUNDAI FINANCIAL AND WITHOUT GIVING ME THE NOTICE THAT IF I WILL NOT PAY THE BALANCE THAT I OWE THEY WILL SEND IT TO COLLECTION AGENCY. SECOND THE COLLECTION AGENCY NEVER SEND ME ALSO A LETTER OR NOTOFICATION BY MAIL. UNTIL ON XX/XX/2016 I RECEIVED A CALL COLLECTION AND I WAS SHOCKED SINCE I AM NOT AWARE ABOUT THE DEBT. IT WAS A LEASE CAR THAT I RETURN AND THEY ARE COLLECTION THE WEAR AND TEAR AND THE INSURANCE IS RESPOSIBLE IF PAYING AND I DID FILE THE CLAIM. BUT IRREGARDLESS OF WHO IS RESPONSIBLE OF PAYING. THE DEBTOR NEED TO SEND A BILL OR NOTIFATION AND CALL THE CONSUMER

Company response to consumer: Closed
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I found XXXX XXXXXXXX XXXX on my XXXX XXXX report. I do not recognize this company or ever having done business with them. Under Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to my XXXX not correctly applying two payments to XXXX in the amount of XXXX and XXXX ( which have yet to be found ) my credit score has dropped significantly. XXXX sent the funds to XXXX which does not own the card any more. XXXX ca n't find the funds as well.

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 06/25/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: What is this XXXX? Equifax XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX It 's complete XXXX They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this siteXXXX into a scam to drive people to their pay sites! 
Internet Delivery Unavailable - Mail-in RequestWe 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 


Request by MailTo request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX Request ServiceXXXX GA XXXXPlease include with the attached form a copy of XXXX item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

IdentitySocial Security cardPay stub with Social Security NumberXXXX formAddressDriver 's licenseRental or lease agreement/house deedPay stub with addressUtility bill XXXX gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, XXXX forms XXXX. To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: I applied for a credit card at a Wells Fargo branch. After several minutes I was turned down. Quite surprised and embarrassed because I know my FICO score is XXXX. I waited for the letter of explanation and it said " we are unable to offer you a credit card for the following reasons-Repossession on credit report ( property taken back due to non-payment ) ''. I know this had to be a mistake and became immediately concerned. I called Wells Fargo and they told me to pull my free credit report from XXXX. I did & the report is perfect. Spoke to an XXXX rep who confirmed this and said there is nothing on the report that would cause credit to be denied. I called Wells back and they said XXXX XXXX XXXX reported it. I then called XXXX and they said I 've been a perfect customer for 15 years and they reported nothing negative. So now it 's XXXX negatives from XXXX & XXXX negatives from XXXX XXXX. I call Wells back with this information and now they say " you returned a leased car early '' which I did under a special program offered by XXXX. Wells Fargo for some inexplicable reason considers that as a " repossession for non payment '' and automatically denies the application. At least I now know my credit is still perfect and it 's Wells Fargo 's application review process that 's defective. Certainly an aggravating experience over the last week.

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 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TRANSUNION IS REPORTING A VACATED JUDGEMENT ON MY CREDIT REPORT PLEASE REMOVE THIS ASAP.ENCLOSED IS THE COURT RECORD SIGNED BY THE JUDGE TO VACATE 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
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to short sell my home, the buyer is getting ready to walk away because of Roundpoint 's procrastination! I need to get from under this home, I have a law firm helping me, and Roundpoint just keeps saying it 's being review, no one can be actually handling this?

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a   calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in  XXXX   XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in  XXXX   XXXX  and then in  XXXX   XXXX . In late  XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on  XXXX   XXXX . I entered accurate information about my salary ( I used my  XXXX   XXXX   ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $  XXXX  month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I received a letter from Citibank informing me that I could submit a claim to be included in the lawsuit against them regarding their identity theft monitoring product. However, the website address in the letter took me to a page that does not exist. I spent a half hour searching the web and making phone calls trying to find the correct web address. I called Citibank at a number I got from the internet ( there was no phone number in the letter ) at XXXX. The agent there had no idea what I was talking about and gave me the number for the FTC ( XXXX ). They also had no idea what I was talking about, and gave me the number for the Consumer Financial Protection Bureau. I spoke with XXXX, who supplied the correct web address XXXX and I successfully submitted a claim. All of this took 28 minutes. I then spent another 10 minutes filing a complaint with you about the misdirection perpetrated by Citibank in the letter they sent me about filing the claim. All in all, this cost me nearly {$50.00} because my time is worth {$75.00} an hour. 

Sincerely, 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 09-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Other fee

Complaint: I had a XXXX, which was serviced by Bank of America. I paid off the current and outstanding balance of {$6600.00} on XXXX/XXXX/2016. On XXXX, I get an email stating the current balance is {$110.00} as interest was charged. How can interest be charged when I paid the entire balance? I called and was told the outstanding balance is not the payoff on their credit cards. What? Never heard of that before with a credit card. A loan .. Yes .. but not a credit card. I paid the payoff of {$110.00} and closed the card, but I do not believe them and they could not give me proof. I 'm wanting to warn others so they do not get hit with interest when they too think they are paying off a card. I 've paid off a number of cards in my years and this is a first for me.

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 07/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Credit determination

Complaint: I joined XXXX to check my credit score. I have a delinquent/derogatory Bank of America credit card account listed. I 've never had a BOA credit card. The account was opened in XXXX, I was born in XXXX. It was closed in XXXX. How do I get this removed from my 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 non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: have called Transunion multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Transunion is supposed to protect my information and has failed to do so. 
XXXX  XXXX has ran my credit multiple times and had no authorization to do so. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX I dont even know what company this is and when I called then number its in XXXX and i dont speak XXXX. 
XXXX : XX/XX/XXXX I want these off my credit. Its hurting me to obtain anything because of this stuff

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : TRANSUNION, XXXX AND XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : Dispute : " XXXX   XXXX  XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, 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 03/30/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was formerly a XXXX  customer and decided to switch to XXXX in XX/XX/XXXXor XX/XX/XXXX. Then I contacted XXXX  via cellphone stating that I canceled my insurance and showed proof via email that I was a XXXX customer ( the representative told me that if I didn't show proof that I switched then I would be charged which I promptly did. The representative then said that I didn't have to pay any amount because I called in to cancel and that I was already insured. ) Now I was getting strange phone calls and emails stating that indeed I owed them money for cancelling or I didn't show any proof of insurance. I now have no vehicle because it was totaled in an accident and we are currently involved in a lawsuit because I have XXXX and the other person involved has XXXX   insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank NA refused to allow the consolidation of a Home Equity Line of Credit ( HELOC ) obtained at the time of original home purchase. When XXXX approved our first home mortgage hardship modification, Wells Fargo also refused to consolidate our HELOC with the first home mortgage when they forced us to modify the loan later on.

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