milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I tried to obtain a free credit report from Experian, because I was denied credit over a month ago, but my request was denied. 
Today when I paid for it, I was able to get the report. 
On that report, there are names I did not recognize, and wrong information. 
I tried to open a dispute and was denied. 
So Experian has to be paid for everything, otherwise I can not move forward with the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: While attending XXXX XXXX College in XXXX, WI from XX/XX/XXXX- XX/XX/XXXX, I was coerced into signing loans without full disclosure. They would call me into the office and state " your papers are ready, just sign here. '' It was my first time going to college, I did not know what I was signing. They took out not only Federal Loans and Grants but some Private loans without my knowledge or consent. I am still feeling the effects of this as I am still paying back XXXX private loans they took out for me over 12 years ago. I am not sure what the interest rates were, but a {$3000.00} turned into a {$15000.00} loan after fees and interest. By using these deceptive practices, I was not given the opportunity to come up with an alternative to paying these astronomical interest rates and fees. I signed because they made it seem like they had my best interest in mind and if I wanted to graduate, this was my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with MNS & Associates LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Both my elderly parents and I received the following voicemails from M & S XXXX using blatent scare tactics to obtain personal/private information about me. 
" Hello this message is intended for XXXX. I 'm calling today in regards to asset verification to confirm your address and place of employment. I was forwarded some documentation it does verify your name and security number in regards to this process for enforceable review. Please be advised we are requesting for you to sign for and respond to a required demand notice. Before I go ahead and begin the scheduling of your document I wanted to inform you that your processes me an expedited and should commence within the next 24 to 48 hours. At this point in time, with any questions regarding this matter you may contact an advisor directly at XXXX your number with them is XXXX. To be clear, failure to contact them may result in further determinations being made pursuant to state and federal guidelines. You have been officially notified. '' I contacted them to request that they cease and desist with the calls as they were upsetting my parents and when I would not give my personal information, the agent, XXXX XXXX, became very rude and when I asked what it was regarding he said a loan that was defaulted on with XXXX XXXX from 2001. I did not have a loan with XXXX XXXX and even if I had, the statute of limitations in the state of Georgia is 6 yrs so this would be outside of the statute of limitations. I asked him to please send what he is claiming to me in writing so that I can properly refute it and he said " what you will be getting is a demand notice for the full amount which you must pay within 30 days, so good luck with that. '' And he hung up on me.

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. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation no knowledge of accounts po report sent to XXXX and local po dept

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 11/25/2015 about Debt collection (Auto) with Viking Client Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received statement from Viking Billing that they were to collect alleged damages on a XXXX car rental to the tune of {$310.00} without having any notification from XXXX Shortly thereafter they called to collect and when questioned could/would not provide any confirmatory information. Their Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Sale of account

Complaint: I had an account with Old Navy, account # XXXX, that account was charged off and sold to XXXX account # XXXX that is reporting the account with a different creditor GE Money, this is a double jeopardy, double damage for my credit report because it appears that I have XXXX different accounts with different creditors. I called XXXX and they did not even give me the option to dispute it. I already have a complaint XXXX, is under investigation but they have not responded yet and is more than one month. XXXX the accounts has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have not been able to access my digital wallet with coinbase since I moved my address and all my enquiry dating back to XXXX this year has remained unanswered. I can not get a response from them to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Student loan (Non-federal student loan) with Genesis Lending (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: 2009 XXXX XXXX, XXXX XXXX Thursday of every month I got pulled from class to get a new loan for my living and tuition expenses. I was at XXXX for one year and if I did n't go to sign the papers for my new loan every month I would n't be able to continue my classes to XXXX. I missed out on important class information and had to make them up on my own time. Homework and other hands on tasks became more difficult to accomplish if I did n't make up the lost time going to sign loan papers. I was told a rough amount that my school loan would be. About {$15000.00}. I started paying {$120.00} a month for my loan agreement then Genesis Lending increased it to {$190.00}. I called to ask why the increase in payment amount each month. I was told they saw i had a higher income so they adjusted the payment accordingly. Is that legal? I 've been paying this amount for 6 years and still owe {$13000.00}. I called Genesis Lending and come to find out they have been rolling over all the interest I pay on the loan every year. So all I 'm paying is interest basically for the last 6 years. I do n't think I 'm being treated fairly or legally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay your loan

Complaint: My payments have been approximately {$89.00} without the slightest wiggle room for any amount added to the balance strictly interest payments only. I have been faithfully paying that amount for 5 years no questions asked and the last four months I hit a terrible financial snag where I havent been able to make payments. 

Without my knowledge my auto pay was canceled, and my ability to make online payments was taken away. I tried to set up an online payment to be withdrawn on XXXX to make my account current by calling a representative from Wells Fargo but to no avail. At this point I feel Wells Fargo is pulling every necessary string to liquidate my account despite my faithfulness of paying every month for several years despite not having XXXX nickel taken off the balance owed.

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 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: XXXX/XXXX/XXXX - Initiate a withdrawal of XXXX USD XXXX/XXXX/XXXX - Company sends two automated emails. One confirming the withdrawal with a reference number. The second email saying they are unable to process because of a name mismatch. ( See attached " Company correspondence 1 '' and " Company correspondence 2, PDF Files ) XXXX/XXXX/XXXX - Contact support. I had since updated my account details and ensured that my CoinBase account details match my bank details. Support does not answer my question and thinks I am trying to suggest a new feature for their platform. ( See attached Support Thread 1, PDF File ) XXXX/XXXX/XXXX - Automated email saying that the transaction can not be proccessed. The company is still saying the names do n't match. ( See company correspondence 3, PDF ) XXXX/XXXX/XXXX - I receive another email out of the blue about a {$0.00} purchase. I do not know what they are referring to. ( See company correspondence 4, PDF ) When I log in to my account, it is now locked and not fully functional. The withdrawal was canceled, yet my account balance is {$0.00} and I can not view my account or withdrawal history. There is no way for me to re-initiate a withdrawal, and the company refuses to tell me specifically what is wrong with my account details, and how I can fix it. The money is simply missing now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! 
I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Private student loan) with Asset Recovery Solutions, LLC (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Hello, My student has sold my student loans to a private collections company, and they are constantly calling me at my job and at work. They are putting me at risk at losing my job because they are calling me there. Also, I am not sure who is the primary holder of the loan. I ask them for paper work of when the loan documents were sign and they have not forward this to me. I am unable to pay it as I have XXXX child, and not able to pay my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: From XX/XX/XXXX-XX/XX/XXXX its showing on my credit report of lateness of 30 days with my Bank of America credit card. I contacted a representative a while ago to remove this since I've had 33 consecutive months making payments on time and they reassured they will take care of this. This issued occurred due to automatic payments not being setup correctly. After the matter was fixed, we've never had any issues.

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 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was bailed out of jail by my father and i made arrangements to pay my debt payments but missed payments and is filing bankruptcy and in return they put it on my fathers 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 02-12-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: The escrow account does not add up. Chase Bank keeps raising or mortgage by hundreds of dollars every few months. They claim we have an escrow shortage after they have completed their analysis. They lied and said our home owners insurance went up from XXXX a year to XXXX a year. I called usaa and our mortgage has never hone up I called chase bank to cancel the escrow account and first they promised and then called to refuse. Our property taxes are only XXXX. A year. We pay XXXX a month for escrow plus additional amounts XXXX. XXXX to keep our mortgage payment down. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aspen National Financial, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Aspen National Collection about a collection account that appeared on my credit report on XX/XX/2017. I never validated the account but the agent was insistent on saying it was my account. He could n't give me the account number. The amount on my credit report ( he said ) was different than what he had, but he would n't give me that amount. This is for maintenance fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (IL).
Issue: Shopping for a loan or lease

Complaint: 1 ) i applied for financing to USBank to help purchase a XXXX used XXXX for my son. I received a letter from USBank on XXXX XXXX, denying my application based upon the following information obtained from XXXX XXXX : credit score of XXXX. They then listed the factors which they claim adversely affected my credit score. In fact, my " Excellent '' credit score and disclosed income has allowed me to obtain credit over the years and recently in many multiples of the approximate XXXX i was attempting to finance. There must be other insidious factors at play. 
2 ) An apology and an explanation for the denial other than " Your credit score : XXXX ... '' 3 ) You have asked that i not include personal information. i can be contacted at XXXXXXXXXXXX 4 ) XXXX ( XXXX ) purchased from XXXX XXXX, XXXX, Illinois

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Reviewed credit reports through annual site to obtain all 3 reports. Attempted to submit disputes for incorrect name spelling and dispute a social security number that is not mines. Called into Experian number that was listed on report to call. 1st customer service rep came on I explained what I was trying to do and she advised she would transfer me to dispute center. I heard music while waiting, line opened up and no one is saying anything the line is just opened and it has been for 35mins. I called back into the Experian number on another phone and proceeded to tell rep what the issue is and that my other call is still open on my other phone and no one is saying anything. The rep has the line open but is not saying anything. In order to correct issues on my credit report I expect to be able to talk with the dispute center. If the dispute department is taking calls then they should be actually taking the calls and resolving them not pretending to be on a call.

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 11-08-2017 about Vehicle loan or lease (Loan) with Dealer Funding, LLC (SC).
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: Dealer Funding is on my credit report when it should n't be. The problem that happened was I got it to an horrible car accident and my car insurer paid it off plus I had gap insurance so the car was totaled and paid off, all of this took place in XXXX Now that it is XXXX I have been disputing this company on all three credit bureau and still it is on my credit. The number to the company is no longer in service. Also my mother was my cosigner on this account at it is n't on her credit but its on mines and I 'm not understanding this when it was paid buy the insurance company in XXXX. Please help me resolve this issue because it is a burden on my life!!!!!

Company response to consumer: Untimely response
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with ERC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Lost job at time and was unable to pay bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Managing the loan or lease

Complaint: GAVE BACK LEASED CAR AND GOT ANNOYING CALLS WHERE IS THE CAR SAID I NEVER PAID AND WILL NOT SEND TO CREDIT BEUREAU BUT THEY DID SCORE DOWN XXXX POINTS

Company response to consumer: Closed with explanation