milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On   XXXX   XXXX   XXXX     a letter was sent to  Cach LLC  to validate the debt in question.   Their letter dated   XXXX   XXXX  , solely provided me with a letter and no written verification of the debt with my signature.   I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report.   Thank you in advance for your assistance.

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 01/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My name is : " XXXX ( first name ) XXXX ( middle name ) XXXX ( last name ) ''. I am in the process of getting a mortgage and Experian will not report a score for me. Both XXXX and XXXX are reporting a score for me. I called Experian and after spending over 3 hours on the phone with them they can not solve this problem. The reason they are giving is that my last name only contains XXXX letter and their system can not register only XXXX letter as a last name! They even said I should I should add a letter to my last name! This is insanity and goes against every right I have as a citizen. They are basically stealing my identity by not giving me my identity. There are many people in the XXXX with XXXX letter last names so Experian is not recognizing these people. I ask that you tell Experian they must resolve this issue or face harsh consequences. Here is the rest of my information : SS # XXXX. Address : XXXX XXXX XXXX ; XXXX XXXX, NY XXXX. My date of birth is XXXX/XXXX/1988. I can be reached at XXXX. I am attaching my Social Security card and Passport as proof of my identity. Thank you for your time and I look forward to your response.

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Delinquent account

Complaint: Credit card was issued. Paid regularly for many years. I filed for bankruptcy XX/XX/2014 to prevent foreclosure. Bankruptcy was discharged within 30 days. Wells Fargo removed the credit card from the online banking portal and did not send any statements for 7-9 months. Wells Fargo wants remaining balance of credit card paid and continues to report as delinquent.

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 08/19/2015 about Debt collection (I do not know) with MNE Services, Inc (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I do not have a loan with this company and I received this email todayNotice For XXXX XXXXXXXX XXXX ( XXXXXXXXXXXX ) Add to contacts XXXX Keep this message at the top of your inboxXXXXXXXXXXXXXXXXXXXXCASE FILE # :XXXXXXXXLOAN INFORMATIONDUE AMOUNT- $ XXXXXXXXLOAN COMPANY- USA FAST CASHYou are going to be legally prosecuted in the Court House withincouple of days.. Your SSN is put on hold by US Government, so beforesomething goes wrong we would like to notify you about this matter. Itseems apparent that you have chosen to ignore all our efforts tocontact you in order to resolve your debt with Payday Services. Atthis point you have made your intentions clear and leave us no choicebut to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONSAGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFERNow, this means few things for you. If you are under any stateprobation or payroll we need you to inform your superior or managerwhat you have done in the past and what would be the consequences oncethe case has been downloaded and executed in your name. If we do nothear from you within XXXX hours of the date on this letter, we will becompelled to seek legal representation from our in-house attorney. Wereserve the right to commence litigation for intent to commit wirefraud under the pretense of refusing to repay a debt committed to, byuse of the internet. In addition we reserve the right to seek recoveryfor the balance due, as well as legal fees and any court costincurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENTAND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bearthe entire cost for this law suit {$5400.00} which is excluding loanamount, attorney 's fees, and the interest charges. You have the rightto hire an attorney. If you do n't have one or if you ca n't afford thenone will be appointed to you. We believe that this was not your intentand that these steps are unnecessary. We merely require you to contactour recovery asset location department at XXXX between XXXXXXXXto XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURSON : XXXXXXXXUSA.FAST CASHLEGAL GROUP OF ATTORNEYSXXXXXXXXCopyright ( C ) XX/XX/XXXX - XX/XX/XXXX USA.FAST CASH | Privacy | Terms of use ( C ) XX/XX/XXXX XXXX Terms Privacy & cookies Developers English ( United States )

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In the spring of XXXX I read about the Public Service Loan Forgiveness Program and the possibility of some if not all of my student loan debt relief. I contacted my loan provider at the time ( Department of Education ) and was told that in order to qualify for the Public Service Loan Forgiveness Program I would need to consolidate my loans into a Direct Loan program and change my payment plan. I did this and on XXXX of XXXX all of my loans where consolidated and then managed by XXXX XXXX/Navient. I was told that the payment plan I was in qualified towards this program and all I had to do was make 120 on time payments, which I have been paying for four years. In XXXX of this year ( XXXX ) I submitted the paperwork to the government to see where I stood in the program and at that time the servicing of my loans was transferred to XXXX XXXX XXXX. I just got off the phone with XXXX # XXXX at XXXX and as of today, XXXX XXXX, XXXX, the 50 payments I have made since XXXX XXXX do not count towards the PSLF program because I was not in a qualifying repayment plan. I am very upset by this and feel that I had been taken advantage of by XXXX XXXX/Navient and misled by the information given to me over four years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Because of the Equifax security breach my score went down by 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. 
I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I believe my student loan status have been breached. I believe my principal balance and interest is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX my credit report showed XXXX collections, on XX/XX/XXXX my credit report from transunion showed XXXX collections. The following day it updated to XXXX of the collections that were previously on there before it went to zero being re insterted. This is a violation of my rights and against the law to reinsert information without a 5 day notice. This never happened. I 've attached supporting documentation via XXXX my credit reports before the incident when it happened and after. reinserting them without writing a letter 5 days prior to reinserting them then they are breaking the law so they have to remove those collections and send an updated report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke transunion to show the same information as the other three as all should be the same.

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 05/18/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The XXXX XXXX 's company submitted a debt to a collection agency when the debt was paid. They garnished my wages for a mistake on their part. This has to do with the G.I. bill. I received a debt due to their error and now it has been on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with XXXX XXXX XXXX XXXX XXXX XXXX even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to XXXX XXXX TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but XXXX XXXX continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH XXXX with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.

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 09-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: I contacted Wells Fargo Customer Service on XXXX/XXXX/16 via phone from XXXX PST notifying them of a charge that was going to be making, a purchase with my debit card for {$4000.00} USD from a hospital in XXXX XXXX , because I needed immediate medical treatment or XXXX. I was XXXX with a life threatening issue and was seeking medical attention to save my life. Wells Fargo told me on the phone they would not allow the purchase even though I had sufficient funds in my account and a balance of about {$5500.00}. Wells Fargo refused to allow this purchase while I was literally begging them with my life to let the purchase go through. Literally, I am in the hospital waiting room XXXX and Wells Fargo would not let me access to my money. I explained all of this and the Wells Fargo Customer Service rep hung up on me and refused to let me access my money. I had thee hospital run the card anyways in desperation but it was declined. In XXXX XXXX hospitals do not just treat you, they require payment up front, it is not like in XXXX. I had to get into a taxi cab XXXX, take the taxi back to my living quarters, get a different debt card for a different bank, take the taxi back to the hospital and use that other card to save my life. Wells Fargo knows I frequently travel to XXXX XXXX, they have this information on file. I was using my account for small purchases regularly. What Wells Fargo did is beyond unacceptable. It was extraordinary that when a customer is on the phone, fully verified, with available funds, explaining the urgent and life threatening need to access to their money, and to be refused and hung up on. Wells Fargo should be put out of business for treating its customers this way. It is despicable. It is wrong. XXXX I could have died. To put a XXXX person through this ordeal should be criminally punishable. There was no excuse for the negligent handing of my phone call and XXXX on my life by Wells Fargo that day by refusing me to access my money to pay for my healthcare needs.

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 08-01-2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This issue deals with Chase reissuing duplicate cards with chips. My old card ( w/o a chip ) had an expiration date of " A ''. I was issued a duplicate card with the same XXXX digit card number, CVV code and EXP. date as the non-chipped card. At some point after that I received another chipped card from chase with the same XXXX digit card number but a different CVV and Exp ( Exp. " B ''. I do n't recall getting this card as I have always used the card the exp. date of " A ''. On XX/XX/XXXX I attempted to make a purchase on XXXX which was delined. After the card was declined I called XXXX to figure out what was wrong. They said that some of the billing information did not match what the bank had on file. I resubmitted the information and went to dinner. I paid for dinner using the card with the exp. date of " A ''. Once I got back home I noticed that the card was once again declined and XXXX said that I needed to call my bank. I called Chase and they said that the card they had on file did not match the card I had in my possession ( the exp. dates and CVV were different ). I did n't know that I had the card with a later exp. date until after I hung up with the fraud dept at Chase ( I found it in a stack of cards ). They ensured me that there was no security risk because there had been a computer glitch and the card had never been sent out ( I 'm currently holding both cards in my hand ). The card was " scheduled '' to have been sent out in XXXX of 2015 which means from XX/XX/XXXX-XX/XX/XXXX I used an obsolete card. I was never notified over the 6 month period that it was possible that a card was missing or that someone could 've stolen the card out of the mail. I assume that the new card would have worked as well as the old. Meaning XXXX card number had XXXX valid exp. dates and CVV codes. Chase lied saying that the card had never been sent, something weird happened with computer and they are either unwilling to say or are unable to determine what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: To Consumer Bureau : This complaint is directed to The office of Consumer Affairs Equifax I place several complaint about this organization. To this day I have not receive any notification of the many many violation they have committed. I have document every papper since I have been under " OCA to repair my credict file '' My point here is they need to be investigate I swear they are abusing their power if your organization does not place any investigation them who will? if CFPA does not then you are giving them the necesary tool for their representation and granting them the rigth to treact United State Citizen. Shame on then when responding to the complaint as they really are working on something? Does this sounds fixing my file and reporting accurate information when this is the fact : They have block m, y phone number to place calls to then in other words they not sure how they did it but I ca n't not longer call from my phone line if i do then there is a message your call can not go true. They have block access to my file when I repedatly explain to them that I was in the midle of job hunting for consulting work so my file dissapear unless I calll and then they will release it it is crazy. My life is at theeir mercy what I am a criminal? No scores Incorrect names not mine place permanently of file with incorrect social security number. denied me to tell me the source that is reporting it. Saying that is correct how is impossible. did they show any identification that proof that? I know there is not unless is fradulent created. So if this sound to you that they are woroking on my file, I let you be the judge for that and if feel there is a violation I will beg you to investigate. I am not the only only one with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Medical) with ESCALLATE, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Cornerstone Holdings, Inc. (AK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I contacted XXXX  XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. 
He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. 
I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. 
They have my current mailing address, that is sufficient. 
This is a violation of the FDCPA!

Company response to consumer: Closed with explanation