milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Naviet changed rates, loan types, & interest rates without notification. The payment suggested to me is impossible to pay. Naviet suggested that I defer them which increased the interest amount on a monthly basis

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I sent a complaint to you a month ago, # XXXX, regarding Experian and their refusal to sent my yearly credit report. They responded to the above complaint number that the report was mailed to me on XXXX/XXXX/16. It is now XXXX/XXXX/16, and I have still not received the credit report. This is exactly why I am complaining about Experian. They also are constantly releasing negative information about my credit, and then I have NO ACCESS to even see what they have said. I have no problems with XXXX or XXXX, and they provide my credit report online every year, as the law requires. Experian, however, NEVER wants to comply. This is my second request to you for help with this.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX XXXX XXXX fraudulently processed loans on my behalf.

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 08/29/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. XXXX XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number continuously calls, at least XXXX to four times a day, sometimes more. I always answer and every time I do the person in the other line never speaks, they just hold the line. Only once has a person ever spoken and when they did they asked for my social security number and said I needed to give them my number in order to move on with the process of the phone call. They have called everyday multiple times a day for almost two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Q DATA INTERNATIONAL IN, XXXX XXXX, 2013, {$1000.00}, I 've requested documentation of the debt, received no contact info and its damaging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Commonwealth Financial Systems, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Commonwealth Financial has added several bogus collections to my XXXX & XXXX reports. They have never communicated with me regarding any of the listed items. I 'm 100 % certain these are fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Several Months ago I contacted Trans Union about incorrect information on my credit file. 
I Mailed in evidence to correct my personal information such as a Driver license, Social security card, Marriage certificate and a copy of a lease. Trans Union did not correct my personal information, they kept the old incorrect personal information that does not belong to me on my file and added the information to the file in which I sent. In addition I am also an identity theft victim. Lastly, XXXX was given the same information years ago but Trans Union will not update. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Santande r USA is reporting  on my  XXXX  credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Debt collection (Credit card) with Diverse Funding Associates LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Back in 2008 I worked for a XXXX. What I did not realize was that one of the employees had a XXXX. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by XXXX to collect a debt for DNF Associates and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is XXXX, my granddaughter is only XXXX. My son works for the XXXX They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Our private checking acct was hacked and a fraudulent wire transfer was submitted through online banking to an individual we have never met/nor heard of. Chase bank refusing to return {$870.00} back into our 'new ' account until investigation is complete. They also stated 'there is no guarantee that you will get your money back. ' In addition, we went to branch manager and requested his assistance and he was unable ( due to superiors above him ) to return the $ , their instruction to him was they could not return the $ $ because our 'frozen/dead account was in a negative balance. ' The negative balance is equal to the amount that was stolen ( fraudulently wired ) plus the amount we withdrew to open a 'new account ' with new identification information to prevent further fraudulent activity. We have a copy of the document proving the date, time and what bank and customer got the . We also have a text message from Chase to my husbands cell phone with a message stating 'you will no longer receive fraud alerts at this phone # ' from XX/XX/XXXX, which appears to be when someone hacked his phone/online banking and changed the fraud alert main phone number from his cell to another phone number. The branch manager has been extremely helpful and equally frustrated because his 'people ' with Chase are missing the big picture. We are unable to pay our house payment and other bills will be delayed because of all of this. Chase could care less and basically told my husband you are 'screwed '. This is unacceptable business practice and we have a police report and the routing number of the bank that accepted the illegal wire transfer. The police report # is XXXX XXXX Police Dept. Officer XXXX # XXXX. XXXX Tx. Ph # XXXX. The checking acct # below is the new account because as far as Chase is concerned, the old one is dead ( the hacked/frozen acct. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: sent the police report and cra violation of inaccurate information XXXX XXXX XXXX XXXX XXXX experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company underestimated property taxes by a large amount. As a result, my payment has increased by approximately & XXXX due a an escrow shortage. This took effect at the beginning of this year

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with D&A Services, LLC (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This collection agency claims that they sent me a letter. I have never received anything. Secondly they are calling my main work phone number after being told that they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX my mortgage with OCWEN reached its maturity date. OCWEN would not accept my last payment due to fees on account. I tried to work this out with OCWEN, instead they hired XXXX to start foreclosure. On XXXX XXXX XXXX sent me a NOTICE OF INTENTION TO FORECLOSE. With the amount of XXXX needed to satisfy mortgage. The amount was good for 30 days. I did n't have all the money, so I call OCWEN to reduce some of the fees to no avail. On XXXX XXXX, 2016 XXXX sent me a new complaint with XXXX due. I contacted OCWEN and they sent me a higher amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Trouble during payment process

Complaint: I have already submitted a complaint and wish to add this information. SPS and or   XXXX   are complicit in committing a felony on  XXXX   XXXX   records  filing a fraudulent assignment in  XXXX  claiming  XXXX  is successor in interest to  XXXX  which has been proven a legal impossibility in my case and thousands of cases across t he US. On top  of that  XXXX   XXXX  has evidenced  one hundred  percent of the assignments she investigated in  my county ar e VOID and fraudulent.     Thank you for your complaint  XXXX  about SELECT PORTFOLIO SERVICING,  INC..     XXXX   XXXX  has certified every page.  100 percent of  the assignments on  XXXX   XXXX  records she investigated only being allowed to investigate homes not in foreclosure, all were fraudulent and VOID.   This is concealed by mayor  XXXX   XXXX  in complicit with the fraud on  XXXX   XXXX  records and most evident o n all county records in the State of  Washington.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You can see in Exhibit A Trust Long Beach Mortgage Loan Trust  XXXX  is a faulty trust  XXXX  has been paid a settlement for  due to this trust is VOID and never existed.      XXXX   XXXX   XXXX   On   XXXX   XXXX   XXXX  , the FDIC  Board of Directors approved a se ttlement among the Receiver,  XXXX  and  XXXX , which would settle the lawsuit filed by  XXXX , the Indemnification lawsuit filed by   XXXX   and  all clai ms for indemnification made by  XXXX  against the Receiver, including  two other  lawsuits disputing  XXXX s responsibility for tax liabilities of the failed  XXXX   (   XXXX  Settlement ). In exchange for releases from  XXXX  and  XXXX , the Receiver will pay  XXXX  {$640.00 }   XXXX   in c ash in settlement of its administrative claims in the receivership and will give  XXXX  an allowed general unsecured receivership claim for {>= $1,000,000}. The  XXXX - XXXX -FDIC Settlement agreement can be found at this link :  XXXX - XXXX -FDIC Settlement agreement - PDF. SEE EXHIBIT A The  XXXX - XXXX -FDIC Settlement remains subject to judicial approval in a procedure to be filed by  XXXX  in California, and if approved, will result in the dismissal of the  four   XXXX -related actions pending in the  U.S. District Court for the District of Columbia and the appeal pending in the U.S. Court of Appeals for the District of Columbia Circuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I have accounts with the Webster Bank, but the bank has not treated me fairly. The bank has either used other institutions some of which they are connected with through various services such check writing. When you need a check, the bank tells you that they will order them for you at a fee. Recently, I ordered a bunk of checks at {$26.00}. The Bank returned the payment and charged my account a fee of {$37.00} despite having money in the Saving account. Now instead of paying {$26.00}, I will buy their checks for {$62.00}. Because the bank controls this transaction and they know I cant put stop on it, They want to hit my account several runs to charge me as much fee as they can. A {$26.00} will soon be hundreds of dollars. They did this previously and I ended up paying over {$650.00}, and {$160.00} just by playing some payments I could not control. I asked them and complain about this behavior, but they told me that they are doing it because I have bad relationship with them. I dont owe the bank any money, neither has the bank given me a loan that i refuse to pay, but they have decided to discriminate me and they are telling me on my ears when I aske them today ( XXXX/XXXX/XXXX between XXXX ). The bank is charging me a lot of fee for a personal account, I am a student, a family man in a low wage job!. They say I cant open account in other banks because they have already reported me that I am a riskier customer because I owe them money. This is true because I went to open an account with a credit XXXX Bank, but I could not because Webster Bank had reported that i owe them over {$1000.00}. This happened in XXXX XXXX. This is bad for me, my family and in so doing, the bank means that they can have me to charge any money, and I do nothing about it. My direct pay goes to the same bank ( Webster Bank ). All the fee the bank charges my account is enough for me to pay my student loan. 
Sometimes back, the bank paid {$95.00} to a company I do not know without my permission. When I asked them to refund the money, they have not to-date. The told me to close the account and open another. Any time they excessively charged my account, they will force me to close and open another one. They will pick me money from my saving account without my permission to pay for these charges. They will not even inform me. I need help. I want the bank to remove my name from the bad reporting agencies or whatever they call them and refund all my money even the closed accounts they forced me to close.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX    XXXX   I received a letter from  XXXX   XXXX   XXXX   XXXX  stating I owe {$370.00}. I decided to call the number on the letter  XXXX  and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to   XXXX   XXXX   I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted   XXXX   XXXX   the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 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: Old information reappears or never goes away

Complaint: XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor

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 Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  Calvary  is reporting. In particular I challenged the  Open Date  of   XXXX   XXXX   XXXX   as I believe that the last payment was made in mid   XXXX  certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation .     I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On   XXXX   XXXX  , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  Calvary  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.

Company response to consumer: Closed with explanation