milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I work in a XXXX and have told Performat Recovery not to call as they are disturbing patient care and they have ignored my requests and have continued calling and harassing myself and fellow employees.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient has made it hard to repay my loans due to the large re payment amount. When calling to get a better repayment schedule none available. Which is why Im force to postpone payment due to forebearance. Their has to be a better system in place.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed XXXX with equifax three times, they have a balance on the account of {$170.00} for my old card and {$280.00} for my wifes, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later XXXX put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Several times this company has called me on attempts to collect a debt that I have never heard of. I asked them to please send proof that it is me who requested the loan. They will not send proof and keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Taking out the loan or lease

Complaint: In XXXX my identity was stolen when my vehicle was broken into and my wallet was stolen with my social security card, drivers license and bank cards. My identity was used to get a loan from a company call Mariner Finance /XXXX XXXX . I contact this company through writing, by phone calls and visit the location, I provide them with all information and documentations, they even compare my drivers license, signature, and social security card which did not match the ones that was use to get the loan. I went into the branch on XXXX/XXXX/XXXX to follow up with the investigation and they run my credit without my knowledge and still have n't done anything to resolve this situation. I did NOT apply for nor receive a loan from this company

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 05-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (HI).
Issue: Managing the loan or lease

Complaint: I have tried, since the beginning of my car loan, to have Wells Fargo Dealership take a monthly car payment out of my bank account. I filed a complaint with Consumer Financial Protection Bureau and Wells Fargo contacted me and put a payment behind my loan, but had various reasons I could not have a direct debit taken from my bank monthly. I also asked for a payment history to be sent to me monthly, showing payments, and principal status, but that did not happen. I do not receive loan payment books, not loan payment history. I asked for a refinance to lower the interest, but I was told I was not eligible. I asked for late payment fees to be decreased, but they continue to follow my loan, increasing as the loan continues. 
Please will you help me by : inquiring what my interest on this loan is, why it can not be lowered, why I can not have a monthly payment debit taken from my bank, why I can not have a payment history sent to me monthly showing my payments taken off the principal? Can you inquire what my late payments are adding up to? Will you help me get a lowered monthly payment that can be taken out of my bank account? 
I purchased my car in XXXX of 2013 and I have felt in the dark since I made my first car payment. I sent it to the address on my contract, and was later told by Wells Fargo Dealership that it went to a non-existent address. That started my late payment fees. 
I wrote a letter of hardship last year to Wells Fargo telling them that I was taking care of my XXXX year old mother, and having a difficult time financially. I need the car when I transport my mother to medical appointments or if she has an emergency. I requested their help with this loan by giving me full disclosure regarding my financial history with them, my options for refinance and lowering my interest, and/or lowered payments due to hardship. 
I recently sent the bank a check from my car insurance company for {$3000.00} to try and help me catch up with this loan. The check was made out to Wells Fargo Dealership and myself. I received the check for car repairs, but my family is helping me fix the car. When I sent the check, I asked for a payment history again. I asked for help with the loan. Wells Fargo Dealership has not responded to me. 
When I talked with representatives in the President 's office, I complained that the loan officers were rude on the telephone, being threatening, harassing, calling every day, and I requested them not to call me. I requested contact by e-mail but that was denied due to procedure. I have requested full disclosure and correspondence by snail mail, but that has also been denied to me. I feel frustrated, like I have been in a no/win situation since the beginning of this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been repaying a student loan since XXXX the loan was consolidated in XXXX. After consolidation the loan amount was {$27000.00}. I had trouble repaying early on and the loan was put into forbearance. This happened twice. Interest capitalized several times to the amount of {$23000.00}. I have made payments over the years totaling {$60000.00}. I have looked through my account and I do n't understand how I still owe over {$34000.00}. I have reached out to XXXX ( now Navient ) many times over the years and the response has always been " oh well that 's just how it is ''. If I took out the loan in XXXX and repayment was over 20 years at 8 % and I never deferred payments, I would have paid the loan off in XXXX and total dollar amount of payments would have been {$54000.00}. I take responsibility for my lack of knowledge in how capitalized interest works but I was never counseled by XXXX ( Navient ) on how to manage this debt, even though I asked for help many times. I should n't have {$34000.00} still to pay on my student loan. It feels a lot like the government is profiting from student borrowers lack of understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 15 Year mortgage loan with XXXX. They turned over the loan to Loancare - A servicelink company. My LTV is below 78 % of original value, and I have requested that my PMI be removed twice, but they do not respond. I call them and have waited hours on the phone but no one answers the calls. I have now paid XXXX additional PMI 's to keep my loan in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They keep increasing my payment and will not work with you for what u can afford. Every year the payment increases by 20-30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I declare hardship In XXXX with the debtors..the account was closed and reopened XX/XX/XXXX..without me knowing they 're trying to collect a debt from XX/XX/XXXX..they 've been harassing me & lt ; Account # XXXX {$550.00} Balance XXXX Original Creditor {$500.00} High Balance XX/XX/XXXX Opened Date XXXX XXXX, XXXX Last Reported ... Account # XXXX {$1500.00} Balance XXXX Original Creditor {$770.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported By LVNV FUNDING LLC..they are trying to collect a debt then I do n't know.how do I get help taking care of this because they do n't have original records anyone ever tell me about my account.when they result in that account without my knowledge..have my limitation has been violated? I do n't know

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX Equifax keeps adding information that is not mine or previously deleted to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to 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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On the dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I sent disputes to Equifax to investigate the incorrect reporting of a XXXX XXXX XXXX account ( XXXX ) on my credit. I am a victim of identity theft. Someone opened an account with XXXX XXXX using my information in XXXX XXXX and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. In XXXX, I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. This account was reporting on all three of my credit reports but once XXXX and XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX XXXX exact response showing the results of their investigation. I am also including a page of a recent report showing how this account is only on Equifax. Equifax is automatically disregarding my dispute as frivolous despite having information that states and supports otherwise. The issue is that the account is not even supposed to be reporting on my credit at all. I do n't understand how this can be possible? How can Equifax 's investigations yield a different response from XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report an account that is erroneous from a company who has not to verified or provided any documentation for an account I have no knowledge about. Despite numerous requests to creditor and credit agency. Neither has complied to date.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Revenue, Inc (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX College. The account was removed from my XXXX report but not my XXXX. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department of Education/XXXXt is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Lvnv Funding I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV Funding in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Quicken loans pulled my credit on XXXX XXXX XXXX. I recently viewed my credit report and saw a hard inquiry from them. I called and gave them my ssn, name, email. They said I had applied for a mortgage loan that I never did. In order to apply they said I would of had to make a username and password in which I do n't. They could n't tell me my username or password either which is how I know I never applied. Would just like this hard inquiry off my report. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report noticed an account collection by midland. I contacted the original creditor, XXXX and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with XXXX to no avail. This is damaging to my credit and preventing me from future financing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 have a paid XXXX XXXX reporting on my credit file that should have never become a XXXX, as it was paid prior to being placed in XXXX status. I have disputed this reporting with the other two credit reporting agencies and after investigating, they ( XXXX and XXXX ) both removed the inaccurate information. I sent a total of for letters to Equifax, certified with return receipts requesting this inaccurate " paid XXXX XXXX '' be removed from my credit file. After the first two letters, they responded stating the information was correctly reporting. On the third and fourth letter, they stated XXXX confirmed the XXXX XXXX was in fact reporting correctly. In my letters, I clearly referenced section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Specifically, their obligation to physically verify through through signed documents from the original creditor that validity of this XXXX ; not another reporting agency like XXXX. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. After almost four months and four letters later, they are still in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (I do not know) with Delta Management Associates, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please be advised that XXXX XXXX ( XXXX ) of Delta Management Associates is constantly conducting harassing phone calls to my cell phone, my immediate family members and my distant relatives. 

XXXX and Delta Management even sent a text to my cell phone from a XXXX ( whom I do not know ) of XXXX indicating that she and I are longtime lost friends and XXXX just happened to call her in an attempt to make contact. 

I have respectfully requested that Delta Management Associates CEASE AND DESIST, the Harassing Calls, Immediately. 

Delta Management XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Ma. 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have filed a 609 with Transunion on  X/X/17   ,  X/XX/17   , and  X/XX/17   .  XXXX  on on  X/XX/17    and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17   . Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the 609 law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  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 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TRANSUNION & XXXX XXXX XXXX did NOT provide me a XXXX release that releases my medical information to transunion, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my XXXX rights also the FCRA..

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 02/16/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Purchased XXXX litecoin on XXXX-XXXX-18 Before hitting the button " confirm purchase '' my total was XXXX. 
I have purchased litecoin before from coinbase and received it in minutes. 
After 18 hours of my order still pending I decided to check my bank statement ... 
I was first charged XXXX $ then hours later I was charged another XXXX, and then another charge for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (OH).
Issue: Shopping for a loan or lease

Complaint: Went in XXXX 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on XXXX XXXX 2016 everything was finally worked out

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