milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax did n't properly secure my sensitive information. It became vulnerable to a data breach and I was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On, XX/XX/XXXX, I mailed Transunion, XXXX, and XXXX a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.

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 04/28/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have a very old debt with  XXXX   XXXX  from about 10 years ago on a private student loan. Apparently now the company is called  Navient  although I have never signed any contracts, nor do i acknowledge any obligation to 'Navient. ' I was told i would be forced to give my banking information and that there was no other option in my case, because ALL deferments and forebearances had been exhausted at that point. None to my recollection, did i request. They also told me that despite my unemployment, i would have to pay a {$160.00} payment per month. I communicated that there would be no way possible for me to manage this. My spouse is a  XXXX    XXXX   XXXX  , and on a fixed income and I spend a lot of time taking care of said spouse, doctor 's appointments, health issues etc. They constantly suggest that i contact the co-signor who i have repeatedly communicated that I am Estranged from, effective indefinitely for very personal and irrevocable reasons. There is no way around it. They continue to give me no options. I gave them my account info, All while letting them know that there was no way i could keep up with {$160.00} per month. They took my info, charged me the first time. It was a very hard month. They succeeded in getting another {$160.00} the next month which also very negatively affected my household. By the third month, the payment did not go through of course because this was  money I didnt have in the first place, and now they are threatening to place a default on my credit file. There are also Very many negative late payment marks on my credit score from du ring the time period they claim that my loans were in a forebearance/ deferrment. This company has harassed me, called me at work in the past to the point where discipline to me was threatened and other co-workers had personal information on me that made it a very hostile work environment. Clearly it was  Navient  Calling. They are making my life a living  XXXX . I would like to buy a hous e one da y, but they have so many negative marks on my credit file that i doubt it would be possible. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I made a FDCPA formal inquiry into XXXX XXXX XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. At this time i would like to know if Transunion is depriving me of my consumer rights under the Fair Credit Reporting Act. And I have received no communication from Transunion regarding the reasons behind their incorrect and unfair findings in this matter ; so can you please investigate this as well. If these companies are found in violation I believe I am due {$1000.00} per occurrence. Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like Transunion held accountable if indeed I am correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is w Citi-mortgage, they are reporting me as a derog, on all XXXX of my credit reports. ( XXXX, XXXX, XXXX ). I filed a Chapter XXXX, and was discharged XX/XX/2011. They are reporting a credit history, Acct # ending in XXXX. I am trying to buy another home and this reporting is not allowing my fresh start. I have paid the price for my bankruptcy. This needs to be deleted as its not reporting correctly. They also sold my loan. I have no contract w them. I have already been denied credit, this is now slander with damages. I have already suffered damages from them.They can not report a history or what payments were. They could only report included in bk and was discharged nothing more. Therefore its in-accurate demand a deletion immediately. I demand a corrected report be sent to me with the updates. My reporting appears as a foreclosure. I am still paying on my home but with a different mortgage company and I 've never been late.

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 05-04-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank that could possible yield to any potential wrong doing on their behalf. Since U.S. Bank fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why U.S. Bank needed to confiscate all my belongings without returning them is due in part that U.S. Bank could not turn around and request the courts to issue an eviction notice when it was U.S. Bank 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 
With that being said, all evidence clearly indicates how U.S. Bank only contracted XXXX with the sole purpose in mind was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX emptied out my home I would be without a justifiable defense to refute any mortgage documentation presented by U.S. Bank as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent XXXX of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notaryXXXX, along with complaint ( s ) against XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by U.S. Bank were not documents prepared or presented for me to view and sign for at closing on the behalf of their notary [ XXXX ]. 
With that being said, I request for U.S. Bank, via the CFPB, to explain to me in detail why a ) did U.S. Bank intentionally and maliciously commit fraud by fabricating my loan documents with fraudalent signatures ; and b ) if U.S. Bank proclaims that they did not commit fraud by forging my signatures to mortgage documents for them to explain to me in detail the who, what, when, where of HOW U.S. Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing XXXX XXXX ] that contridicts documentation U.S. Bank presented as being a part of my " original '' loan packet!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was told by a debt collector with Asset Acceptance that I would be sued and have a Lien placed on my property and bank accounts for an account that is over 9 years old. I was told it was a XXXX account from XXXX. I also was verbally abused by the collector when I told them that the account was over 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Closed checking account have private and public sides, after when public side account closed, private side still exist for another three years with a funds what is on my name, I try to used them, but two checks was processed as EFT, but rest of another checks was processed by the banks as ACH, and was revised because processed on public side not on private side, I called to the banks customer service, never met understanding of matter, manager in TD Bank also, very confusing manner responded, I sent certify letter to CEO of the bank, he never respond back, all mail going through computer system process. I need to know, is it Bank try to still my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 12-11-2017 about Debt collection (Private student loan debt) with CAVALRY INVESTMENTS, LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX I defaulted on a private student loan, XX/XX/XXXX arranged payments with the collection agency. Monthly payments of {$390.00} were made. 
XX/XX/XXXX the loan was sold to Cavalry Portfolio Services. Monthly payments of {$390.00} continued. I was to receive notifications in the mail to serve as reminders that payments would be coming out. 
XX/XX/XXXX. Receive notification of withdrawal. ( see attach 1 ) XX/XX/XXXX. A letter ( see attach 2 ) is mailed to my father ( co-signer ) saying please contact us to settle or set up payment arrangements for this debt. 
XX/XX/XXXX. Payment of {$390.00} is removed from my account. 
XX/XX/XXXX Father receives the letter ( see attached 2 ) regarding the account.He contacts me asking whats going on. 
XX/XX/XXXX I attempt to call to figure out whats going on. Cavalry is closed. It 's a Sunday. 
XX/XX/XXXX I finally get a hold of Cavalry. They tell me to ignore the letter- it was a computer glitch. They could see I have been making payments and an arrangement already. 
XX/XX/XXXX Payment of {$390.00} was withdrawn. No mailed notification was received. 
XX/XX/XXXX. Received an email from XXXX XXXX saying an account was removed. Log into my account and see that Cavalry removed the collection from my report. 
XX/XX/XXXX XXXX XXXX XXXX. Call made to Cavalry Portfolio Services asking why I never received a notification of withdrawal for XX/XX/XXXX and why the account was removed from reporting? The representative was a bit a of a loss and did not respond confidently. She stated on their end a notice was sent out on XX/XX/XXXX and described the envelope. I told her I knew what the envelope looked like because I save them all for my records. She then that the credit reporting time had expired but the statue of limitations was still in place. She then told me she turned off them Automatic withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My private student loan is with Wells Fargo. The issue is not directly related to the student loan. Rather it has to do with Wells Fargo handling of XXXX issues. 

A few years ago I was party to a class action lawsuits regarding how Wells did not accommodate clients with hearing loss. This is still occurring. 

Wells Fargo has an area on their website titled Hearing Impaired yet they only list phone numbers. Calling for help is very difficult for myself and others with hearing impairement. It seems prudent, especially after the lawsuit, that Wells would offer an email or chat option to accommodate those that can't hear so they can receive customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a derogatory remark on my credit report. I had a surgery that began in XXXX and carried over until XXXX. I paid my deductible, but then the company argued with me that I had to pay it again. I was told my the hospital administration check in that I would not have to pay XXXX deductibles, since it was related and on-going. I was given a summons and immediately paid the debt. How and when can I get this derogatory remark off of my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. XXXX XXXX and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ALL of my personal identification data was made available to criminals for illegal uses by a large credit reporting bureau. EQUIFAX. 

My personal financial damages have not yet been determined entirely as of this point due to the fact that the likelihood of my identity being pirated at any time in the future for illegal purposes is quite high. 

My minimum damages from this breach appear to be XXXX per month for professional XXXX XXXX for the remainder of my life. For me and my wife, the total minimum damages is an estimated XXXX 

If my personal information ends up being used by criminals these damages could be XXXX higher. 

This is very scary! 

Please tell me the Consumer Financial Protection Bureau has my back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county, and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment, the notices come in, I have to rack everyone down, SPS still drags their feet, and eventually they pay, after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out, they reluctantly paid me back, but did not compensate me with interest, which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer, but even I am uncertain if they are still charging me for the late penalty.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with Xerox State & Local Solutions, Inc. (SC).
Issue: Deposits and withdrawals

Complaint: For the past year I have been having trouble with my child support depet card. It never on it on time and I can never get live person on the phone to find out where 's my money or when should I expect it to be on the account. It 's take XXXX XXXX weeks for is to finally just show up for me to be able to use. Now this is a very pain in the XXXX not to mention it against the law to keep a on to money that by court order I 'm suppose to get in a timely fashion.

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 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (PR).
Issue: Money was not available when promised

Complaint: Digital exchange Kraken https : //www.kraken.com/ is indefinitely withholding the digital currency XXXX XXXX from an XXXX that they originally promised to distribute on XX/XX/XXXX. 

XXXX XXXX XXXX After failing to deliver the tokens, they said they would be participating on the extension deadline and would deliver by XX/XX/XXXX. They have again failed to deliver and even their help support employees have no idea when it will be delivered. 

XXXX XXXX XXXX Here is their latest response to the request that was made over six months ago : XXXX ( Kraken Support ) XX/XX/XXXX, XXXX PST Hello, Thank you for your message. 

Kraken has n't distributed the XXXX XXXX ( XXXX ) for the giveaway as of yet. Nor have they released any further information to us here on the support channel. 

Please, note that even we currently do not have an ETA this does not mean that the XXXX XXXX ( XXXX ) will not be distributed even if it is after the deadline that was set earlier. 

Kind Regards, XXXX Client engagement specialist Kraken They are holding millions of dollars in XXXX XXXX  XXXX digital currency from the giveaway and their customers are suffering by losing opportunity costs and we have no idea when the issue will be resolved. Their digital exchange is suffering many usability problems and it is very concerning that the clients will never receive their respective XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the last two years I have been battling with Navient and their payment policies. I put in to defer my payments twice and Navient failed to tell me about the {$50.00} " security deposit ''. Also every time I got off of the deferment plan, Navient charged me as though I had n't paid for months. It XXXX my credit each time. And I had to contact them incessantly after each episode of this. I 've informed them and tried to solve it on my own but my credit never got better.

Company response to consumer: Closed with explanation