milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2015 I applied with " XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully " denied '' credit based on the numerous " False Information '' that the " Experian '' Credit Bureau has in my credit file due to my being the victim of " Identity Theft. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is incorrect address reported on my list of home addresses. I never lived at XXXX XXXX XXXX, XXXX, AL. 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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I initially submitted a CFPB case that received extremely vague responses from Wells Fargo Home Mortgage. After submitting a follow up complaint to obtain answers to the specific issues, Wells Fargo sent a letter to me and to the CFPB that referenced the original complaint, and the bank declined to address any of my concerns, as it dodged the questions via a loophole in the CFPB system. 

According to Wells Fargo, the bank can provide generic and boilerplate responses, while exercising its ability to plead the Fifth Amendment, if subsequent inquires are made. 

The bank is completely aware of its abuse of the process that the CFPB maintains to avoid duplicate responses ; however, my original complaints were never answered. 

I asked Wells Fargo for a chain of title that reflects the title history and the validity of the title status for my home. The bank said no, we will not supply any information that verifies whether our actions has clouded the title to your home. 

My loan was sold from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Several fraudulent mortgage assignments were drafted, signed and entered into local court records, thereafter. But, an assignment of mortgage that Wells Fargo used to obtain a judgement was not devised until XX/XX/XXXX. 

After selling my home loan in XX/XX/XXXX to XXXX XXXX within a securitized transaction, Wells Fargo resurfaced along with XXXX XXXX XXXX XXXX XXXX to fabricate an assignment of mortgage in XX/XX/XXXX ( 5 years after selling the note ) to obtain a judgment and toward the prosecution of a foreclosure, " for a loan that it had already sold. " I want justice for my family. Please hold these bank accountable for the pain and suffering that my family has endured as a result of this ongoing charade. Since this bank does not want to cooperate with me, I am asking the CFPB, the OCC and the FDIC to investigate the merits of my complaint much further, and to enforce greater oversight of these licensed banking entities that continue to dupe consumers, as well as regulators. 

Also, I want to be considered for monetary compensation, class action lawsuits and for predatory abuses that I 've experienced since the inception of my loan origination with Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted  XXXX  and Equifax for quite awhile but have had the same problem   XXXX    and Equifax will not add that I have   XXXX   XXXX   XXXX   on my account. They keep updating information from  XXXX  even though  XXXX  was paid off and  XXXX  balance.  XXXX   XXXX   XXXX  has contacted them but they keep insisted that they keep  XXXX  on even though it have been 7 years that I have had  XXXX  on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only   XXXX   XXXX   XXXX   and to remove  XXXX  and   XXXX   XXXX   of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Consumer Loan (Vehicle loan) with HONOR FINANCE, LLC (IL).
Issue: Problems when you are unable to pay

Complaint: I 've spoken to XXXX with Honor finance on several occasions about violating my privacy by choosing to send threatening messages regarding the repossession of my vehicle. I 've asked her to either leave a voicemail message or even send via email. But she refuses to listen and continuously have sent messages stating my vehicle is up for repossession via text message. Now if my phone is lying around anyone is able to see these messages when they come though.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with DISCOVER BANK (RI).
Issue: Billing disputes

Complaint: I PURCHASED XXXX JACKETS FROM MERCHANT. I RECEIVED XXXX JACKETS. 
I RETURNED XXXX JACKETS TO MERCHANT. THE WERE BILLED ON SEPARATE INVOICES. THEY WERE RETURNED IN SEPARATE BOXES. THEY WERE XXXX RECEIVED BY THE MERCHANT. I HAVE XXXX REFERENCE TRANSACTION ID 'S INFORMING THE CREDIT CARD COMPANY TO REFUND XXXX PURCHASES. 
THE CREDIT CARD COMPANY HAS REFUNDED ONLY XXXX PURCHASE AND I HAVE TRIED ON MULTIPLE OCCASIONS TO GET MY MONEY BACK. EACH TIME THEY DO AN INVESTIGATION THEY DENY THE XXXX REFUND

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: They do not offer any help on changing the repayment options. I am struggling to make a payment and they are not willing to help. Very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Not sure of exact date going off report received from XXXX reported XX/XX/2016 states I was reported for Suspected fraud activity in the amount of {$190.00} closure status UNPAID. I was residing in Georgia temporarily & i opened an account with Bank of America, upon traveling back an forth to New York, I lost or misplaced card & I did not give my pin # to anyone. I reported card lost/stolen & my account was closed after review by Bank of America. I was never informed i had any outstanding balances owed to Bank of America. I recently went to the bank with my mom to be added as a signer on her account an the branch manager informed me that I could not be added due to fraudulent activity reflecting on my social security number was entered.

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 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian had added conjecture to my credit report of which I do not PAY them monthly for this unprofessional service! I have written letters and sent emails to NO AVAIL! 
XXXX XXXX, XXXX and XXXX have notes that the " consumer distributes, or disagrees. '' I have asked that they be removed. After waiting everyday last week and this week on the consumer service line for at the minimum XXXX minutes I am told the creditors say it is your bill. No kidding. Take the verbiage off " consumer distributes, or disagrees. '' I am also writing to the XXXX for assistance. EVERYONE should know that Experian is a friend of collections agencies, and that they are violating my Fair Trade Laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with DYNAMIC RECOVERY SERVICES, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXXwith the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.

Company response to consumer: Untimely response
Consumer complaint received 05/25/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Managing the loan or lease

Complaint: When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dates : During months of Mid-XX/XX/XXXX - XX/XX/XXXX Company : Equifax Inc.
Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some U.K. and Canadian residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Due to this incident, I believe that my personal information such as SSN, Addresses, Credit Card numbers may have been published on the internet. This places my identity at high risk of theft and makes me a prime target. I would not be placed in such situation if it was not for the lack of security at Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Medical bill was put onto my credit report. This collection company has a terrible rating with the XXXX and has fraudulently reported this on my credit report. Let 's be clear, I have no idea if this bill is mine or not because they have never sent me a bill or attempted to collect. It seems very unfair to get this reported to my credit when I have never had a chance to pay. TRUE NORTH AR is the piece of XXXX company that reported this. This bill was ( supposedly ) originally from XXXX but it 's now XXXX and still ... Nothing!. This is damaging my credit and I have all current and satisfied accounts other than this. I am very frustrated, I disputed this with the Credit Bureau and they just said it was 'mine ' and closed the dispute. 
I do not feel this is fair. I pay my bills when they are presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I believe I am a victim of predatory lending because of my race ( XXXX ) and my geographical location. I was given a high interest and excessive points when I was approved for my home loan. American Servicing Company is my service provider for wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed the account with Equifax as they are reporting an account I have no knowledge of. They updated the account as " verified and belong to me ''. I sent a request that they provide verification of documents that were used to determine the account was verified and belonging to me, Equifax has responded : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX IN XXXX Phone : XXXX. However, I have requested validation of the debt from the collection agency as well who has ignored me and has responded once or even placed the account in dispute. As of date the account is being reported monthly and has failed to be updated as being disputed or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan originally from XXXX, whom was replaced with Navient. I have tried repeatedly to get my loan payments lowered due to the change in my financial situation. Naviet refused to lower my payments. Instead, I was told the only thing they were able to do was give me a XXXX month extension, and delay my payments, which made no sense to me. 

My income had decreased drastically, and my husband had also taken sick leave from work. I was constantly told delayed payments were my only option. 
I was devastated. 
I feel that I was never given an fair chance to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A person representing Central Credit Services, inbound call received from ( XXXX ) XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an XXXX woman into disclosing additional information without success, instructed my mother to contact me and the representative of Central Credit Services would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, Central Credit Services through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, Central Credit Services is representing itself as an agent on behalf of 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