milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Debt collection (Federal student loan) with Utah System of Higher Education (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Medical debt) with KelKris Associates Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The first complaint # is XXXX This is a request for documentation regarding the first complaint and that Customer is not satisfied with the abroad answer received by the CREDIT BUREAU ASSOCIATE - XXXX CA the company is stating that I XXXX XXXX XXXX SIGNED a document in the doctor 's office stating that " I was responsible for any balance remained unpaid. I would like to request : 1 ) A COPY OF THE DOCUMENT SIGNED BY XXXX XXXX XXXX STATING RESPONSIBILITY FOR UNPAID BALANCE ; 2 ) A STATEMENT ATTESTING HOW THE CREDIT BUREAU ASSOCIATE AQUIRED XXXX XXXX XXXX SOCIAL SECURITY NUMBER, WHERE THEY FOUND THE COMPLAINT SOCIAL SECURITY NUMBER, WHO PROVIDED IT TO THEM AND COMPLAINT IS REQUESTING IT IN WRITING BY CREDIT BUREAU ASSOCIATE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with KEYCORP (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: Freedom Mortgage short paid property taxes from escrow account.
Freedom Mor  tgage stated refusal to pay full tax amount prior to foreclosure process date.    Property Owner was  forced to make tax payment in order to avoid foreclosure.    County  transaction record clearly states payment made b y Owner though Freedom Mortgage claims they made payment.

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 04/14/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Fraud or scam

Complaint: All of a sudden I started to receive texts about an account that I did not open. It is in INCREDIBLY hard to speak to a representative without providing your card number or SSN. 

When I finally did get to speak with someone they simply said to reply " stop '' to the text messages but did not spend time to look for the account to ensure that it was not open fraudulently. 

Shortly after, I began to get transaction information of the purchases being made. These transactions are happening in XXXX, CA. I do not live in XXXX, however, my phone number area code is from that area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Riverwalk Financial Corporation (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I do n't know what this company is and why I owe as much as they reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, equifax and XXXX are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with MFG FINANCIAL, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called XXXX XXXX many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from Capital One. I asked for who the name of the person was that they spoke to at Capital One, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between Capital One and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called XXXX XXXX and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against XXXX XXXX. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX  XXXX XXXX XXXX - Account type- Installment Account. **i am disputing this account for inaccurate information. I had sent a letter on XXXX/XXXX/XXXX to XXXX XXXX XXXX, did not hear back from them. I then received my letter returned from post office on XXXX/XXXX/XXXX, undeliverable to XXXX XXXX XXXX stating the creditor address was not delieverable as they no longer do business there. On XXXX/XXXX/XXXX, I sent a wrong address to Experian stating that the address that Experian has on my credit file for XXXX XXXX XXXX WAS inaacruate and that they need to remove XXXX XXXX XXXX IMMEDIATELY FROM MY CREDIT FILE, I have not heard back from Experian or XXXX XXXX XXXX and as of XXXX/XXXX/XXXX, XXXX XXXX XXXX is still reporting on my credit files. I want this deleted immediatly from all my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/XXXX I tried repeatedly -- maybe 20 times -- to create a credit security freeze and to access my credit report at Experian.com. Their website often reported that their own links could not be found. Several processes did not work in a variety of ways : the security freeze process, the process to upload documentation, the registration process, the process to request a credit report. In short, NOTHING that I 've tried over several hours over the past 2 days worked as their website indicated it would. For an organization as large as Experian with as much impact it has over the lives of U.S. citizens, this seems to me to be gross negligence.  Indeed, I suspect they are deliberately not allowing security freezes in the wake of the XXXX hacking, solely to protect their own business interests. Having been responsible for a consumer website at a large financial institution, I can not believe that their technical staff could be this incompetent.

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 03/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: When I used the ATM at the Bank of America XXXX branch on XX/XX/2017 I asked for {$50.00}. The teller assist told me they did not have the denominations I asked for but could press a button and the machine would send out what it had to make the {$50.00}. I said that was fine and the machine sent out XXXX {$20.00} bills = {$1000.00}. I had my kids in the car and did not go in to the branch to fix it. On XX/XX/XXXX, my account was debited {$3000.00}. I called immediately when I saw the transaction on line and XXXX in the ATM fraud department claimed I had a stack of {$100.00} 's on the camera, which is not true. I told her I received a stack of {$20.00} 's. She was very rude to me and told me to go to the branch where I could " see footage ''. I made an appointment to go in the next day. I went in and met with XXXX who was extremely sympathetic, professional and did what she could to help. However, she said they do n't have the footage there and that is not what I should have been instructed to do. On Wednesday XX/XX/XXXX I received a notice from B of A that my claim had been closed and that no credit could be given. I was told to call a number to receive the documentation. I called and asked for the documents so I could file a police report. I spoke to XXXX in Arizona who escalated to her manager, XXXX. They told me I should hear back in XXXX hours - that should be today. I did not hear back and called again and spoke to XXXX in Florida. XXXX told me they were escalating the claim and I should hear back in XXXX business hours. I feel like Bank of America is giving me the run around. Surely I was not the only person who used that machine on XX/XX/XXXX. No one can tell me where the {$3000.00} came from - when according to my calculations I owed Bank of America {$950.00}. Now I 'm at a deficit of {$2000.00}. I 'd like to hear from someone at the Bank who can show me proof that I received {$3000.00} and otherwise I want my money back. This began as a Bank of America error with whoever loaded the machine. I need someone who can give me an answer. I keep getting the XXXX hour runaround and no one who will give me an answer.

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 09/24/2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Designed Receivable Solutions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, because the software can have limitations when it comes to completing a proper investigation of records. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. 
Basis for dispute : I do not recognize this account and am requesting an investigation. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which will also include complete removal of the account. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of the completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the 3 credit reporting agencies ( XXXX, XXXX, XXXX ), of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.To avoid potential legal action and further issues, I hereby request that you remove the account from my credit report. 

Sincerely, XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with TD BANK US HOLDING COMPANY (OK).
Issue: Late fee

Complaint: I was charged a late fee with Target for not paying my payment on time. It was due the XXXX and I paid on the XXXX but it was after XXXX. I was not aware there was a cut off time. I called in reference to my bill because of this. I had a due amount of my regular monthly payment and the {$27.00} dollar late fee. The customer service person said sincnce I had a good record with them and was not aware she would credit back the {$27.00}. I assumed then since she took off the {$27.00} I know longer owed it and paid my regular payment. Then my next statement said I did not pay all due and charged me another {$27.00} and a {$38.00} fee. I called about this and he said even though they took away the {$27.00} dollars I still had to pay it. I did not understand and asked to dispute it as now they say I owe next payment {$110.00} dollars. They said I could not dispute this. I was very upset and became emotional and cried. He then set me up on a plan so that instead of owing my next payment {$110.00} it would be {$83.00}. I was crying as I was so upset. I told him they were XXXX over the customer and that who would not think if the late fee was credited why would a person still have to pay it. Then they really did not credit it. I still do not understand this entire handling of my account. Can you assist. Do I have any recourse?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Advertising and marketing

Complaint: Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % 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 monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 136 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not oweXXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

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 07/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been repaying my student loans since 2010 under either XXXX or Navient. I have had serious issued trying to remove my cosigner from XXXX of my XXXX loans I have with them. I 've submitted all the necessary documents and have paid on-time for over a year, which is the requirement, and they still wo n't release my cosigner. I 'm really unsure what other measures need to be taken to release her. If credit plays a role, I have bad credit because I have so many loans. It 's never ending. Navient is not helpful, and trying to reach them via phone is a nightmare. They do n't really care to help. I 'm not sure what joy they get out of being so rude to their customers, but I guess they can since we 're all stuck and have no choice in the matter! I 've also received emails saying there was a change in my due date - then when I pay on that date, I am told it 's late and that nothing ever changed. Must be using a bad direct email tool or something!

Company response to consumer: Closed with explanation