milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.

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 09/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I received a notification from Navient on XXXX XXXX, XXXX regarding the removal of the delinquency reporting for all my XXXX XXXX Loans and XXXX XXXX XXXX Loans reported for XXXX and XXXX ; NAVIENT submitted a request for removal of delinquency reporting on XXXX XXXX, XXXX. I 've recently received an updated credit report from XXXX ( attached ) and my student loans are still reporting 120 days past due for XXXX. In my previous case with CFPB ( CASE NUMBER : XXXX ), I was reassured via phone from a Consumer Relations representative on XXXX XXXX, XXXX and via CFPB ( CASE NUMBER : XXXX ), all delinquent reporting for my NAVIENTXXXX student loans would be removed for XXXX and XXXX ; XXXX XXXX, XXXX the request will be submitted to the credit reporting agencies to remove any delinquency reporting but, I 've recently received an updated XXXX credit report that shows all loans in XXXX are still 120 days past due. I 've never been past due on my student loans and all my student loans with NAVIENT/XXXX are current.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (NJ).
Issue: Can't stop withdrawals from your bank account

Complaint: I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: This is the third time I am reporting Nationstar mortgage to the consumer protection agency. My track record on payments have been bad due to XXXX layoffs and most lately expensive medical tests for my XXXX year old father, who lives with me. I am XXXX in arrears. I have tried to catch up by paying them {$1000.00} on XX/XX/2015,XXXX on XXXX/XXXX/15, XXXX on XXXX/XXXX/15 all of which has been returned to me with the explanation, that is was not enough. I just sent Nationstar, on XXXX/XXXX/15 a check for more than half of what I owe, {$6000.00}. I fully expect it to be returned to me. Then I will receive a letter from the prevent foreclosure dept. offering help in keeping my house. I need someone to take them to task for not working with me the way that they should. I am trying to get caught up to no avail. Please see if there is anything that you can do to help. Your involvement in the past has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the following accounts with Experian on numerous occasions : XXXX XXXX XXXX ( XXXX accounts ) and XXXX XXXX XXXX XXXX ( see attached documentation ). The XXXX does not belong to me yet this bureau continues to report this inaccuracy. This reporting is in violation of my consumer rights. I have furnished them evidence that proves the account belongs to someone else and not me. The XXXX has reported incorrectly since it was placed on my report. How does a collection account have terms. I never entered into a contract with this company. Additionally, how does a collection account have a past due amount. I never entered into a contract with this company nor have I ever did business with them. This account is reporting as though it is an original creditor and I have never did any transactions with them. I have brought this to the attention of Experian on numerous occasions, yet they still continue to violate my consumer rights and report this inaccurate information.

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 12/27/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: At the end of XXXX XXXX XXXX XXXX began harassing me at my place of work stating they were going to send a process server to my work, giving me the option to stop it, they threatened my co-workers that they must get in touch with me as it was an important legal matter several times. I filed a complaint against them in XXXX of XXXX as they got progressively worse. When I would call them, they wanted information I was not willing to give out over the phone ( DOB, SS # ... ). I did find out it was in regards to an old HSBC account that had been charged off well over 9 years ago. I called HSBC to confirm. The woman I spoke with there urged me to reach out to the Attorney General, who then in turn asked me to file with CFPB, based on their actions. The original complaint I filed was # XXXX and not able to be followed up on. Today,XX/XX/XXXX, XXXX from XXXX XXXX XXXX , contacted my work, asking for the nurse manager by name. He asked information about me, and she was told that they want to serve papers to me and asked if I worked here and asked to confirm the address here. She declined and asked for a call back # and said she did not believe that it was a legitimate call. He assured it it was and said if I want to stop this action I better call and gave a case # to her to give to me. When I called him back he was rude, said I knew exactly what this call was about and when I told him I did not know, he said I was lying. He got loud accused me of not paying my bills and expect to be sued. I asked him what for and he told me the same HSBC account and then said expect to be sued, when I tried to explain the information I had, he got louder told me the company has only been there for 6 months, it was his cousin 's law firm and told me not to call his law firm again and hung up on me. I am concerned as this company is out of California and my SS # & identity were stolen filing taxes with the IRS in California about 4 years ago. Please assist. Not sure where else to go with this. I just want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am XXXX and on a fixed income and do not have the money to be represented by an attorney or any other agency. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call from a company called STP Management onXXXX read the message and ignored it. Then received another on XXXX/XXXX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX XXXX, this happened sometime XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX , XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has not and will not provide me with the phone number for the collection agency listed on my credit report. The collection agency 's name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: I am being contacted by letter from XXXX XXXX Tx XXXX XXXX for a loan from Ace that I never applied for. The amount is from what this XXXX guy said was for {$500.00} and something dollars back in XXXX. Stating an address that I have never borrowed money from them living at that address. The accrued Balance is now {$2000.00} with an settlement offer of {$680.00}. The only time I have ever borrowed money from Ace was when I lived in XXXX back in XXXX. I had paid that loan down to {$200.00} and ended up in the hospital with XXXX the day before it was due. I called them from my hospital bed to inform them of my situation. They would not let anyone go down and pay it for me. The day I got out of the hospital I went to go pay it however they would not take my money because it was late by a day or two. I was contacted by Ace with them wanting me to pay an outrageous amount on the loan which I could not afford. That loan was discharged on my credit back in XXXX or XXXX. In XXXX I was contacted by phone by someone who was threatening me with a law suit and I was trying to work out an arrangement with them on the amount of {$200.00}. I paid them {$50.00} over the phone. I then started getting daily calls stating that they needed more money. I told them I did n't have anymore right now to give. I then started getting phone calls telling me that I was going to get a warrant out for my arrest. I knew then it was a scam. Now after 4 years I am being contacted by letter for a loan I never took out. they have all my info. Friends and family info and I have not dealt with Ace since that time in XXXX. With the threat of a law suit. I told them to take me court because I do n't owe them this {$500.00} something loan they say i owe. I do n't need the stress. They said this loan was discharged back in XXXX. I do n't have anything on my credit about that. They ( Ace ) just keeps these loans alive. Upon speaking with this XXXX guy he did n't even try to really get me to pay any of the amount because I mentioned that I have been contacted by scammers before and this was a scam. However he did get me to confirm some information such as people I know. Could have kicked myself for saying yes I know those people.Also looked up the Company name and no address with this company is in XXXX. Address does n't reflect it either. I picked received a loan I did n't apply for because that was the closest thing to fitting my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (GA).
Issue: Managing the loan or lease

Complaint: I had a motorcycle financed through Synchrony Bank. When I decided to sell it, I listed it on XXXX and XXXX. A man contacted me wanting to purchase the bike and meet him 4 hours away for him to pick it up. He wanted me to give him our bank account info so he could deposit money into it. Of course, I said no. He then suggested a direct transfer from his bank to my financing bank to pay it off. We agreed and the transaction was completed. I spoke with the representative for the bank who said the account was paid off and the transfer was " instant ''. Knowing that this whole thing sounded fishy, I called multiple times following the transaction to verify the account remained paid in full. Two days later, my wife and I drove 4 hours to meet the man in XXXX. I called to verify again, and received the message, '' Congratulations! Your account has been paid in full. '' XXXX before we left to deliver the bike and immediately before handing it over to the buyer. We met in a large public place with surveillance cameras to make the transaction. He signed the bill of sale and we were XXXX on our way. I called to be sure he made it back safely and he did n't answer. Two days later I tried to call again and his phone had been disconnected. Suspicious, I called the bank who informed me that the bank account the man transferred the money from had never existed. I was charged a {$40.00} fee and still owed the full balance on my motorcycle. I was informed that the transaction was not an instant transfer, but instead an electronic check which, like paper checks, require a waiting period. Why was I not informed of this? I took every measure I knew to take to protect myself. We rely on the banks to help us stay informed as they are continuously seeing new forms of fraud. I am very disappointed in the misinformation that I received. I have filed a police report, which did not lead to any recovery but did get the motorcycle listed as stolen a few weeks after the incident. I 've filed a claim with our insurance company, who will not cover it as stolen since there is a clause in the policy stating they wo n't cover any intent to sell transaction and they consider it fraud. We have also spoken to the bank many times, who says it 's not considered fraud to them because our account was n't fraudulently accessed. Is there anyone looking out for the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (HI).
Issue: Closing/Cancelling account

Complaint: My issue is that my credit card account was frozen, and then closed. My checking line of credit account is frozen. My checking account was frozen ( It is current unfrozen, but the lack of response from the company leaves me little faith in them going forward ) I received no notice as to why this has occurred. I have sent in the documents I was asked to send in upon my calling their XXXX and speaking to a front line Customer service representative. I have never been able to speak with or communicate with in any way the " person '' who is supposedly asking for these documents. Time line and events will be attached. ( too many characters. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card account with Bank of America and paid the balance in full according to their website {$2900.00} on the due date of XX/XX/18. I wanted to pay the balance in full and close the card. I went to check today to ensure it was a XXXX balance before I called to close the card and it's now showing I have to pay an interest charge of {$49.00}. Of course there is no way to contact their credit card customer service online you can only call their XXXX number. I called waited on the line for 15 min to speak with someone who then told me that this interest charge was interest from the date the statement cut until I made the payment. However, I disagree and thing this is misleading as when I made my payment on their website I paid the balance in full as they had shown. Also it even states on the website under my interest charge the following 'If your credit card is used for retail purchases only, has a grace period and is paid in full each month by the payment due date, then you will avoid paying interest on those purchases. If you pay less than the full balance, pay after the payment due date, or if your credit card does not have a grace period, then you will pay interest on those purchases. ' I paid the balance in full! If that's not the case then this is completely misleading. I made the {$49.00} payment just to ensure I won't keep getting charges. I ultimately want a refund for this payment and to close the account. The customer service rep stated there was nothing that can be done which is why I'm filing a complaint. Their website is misleading and I paid the balance in full as shown so as such should not have been charged additional interest.

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