milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been dealing with an issue with Navient fka XXXX XXXX for several years now. A private student loan was fraudulently obtained in my name by a former friend. I have told XXXX/Navient on numerous occassions that the loan was fraudulent and they refuse to remove me off of it. The loan was put into deferment, and came due in 2015. The harrassment has resumed ; they call me multiple times a day ( as many as 10 times ), send me threatening letters of legal action, and now have lumped the loan on my online account with my student loans. I have demonstrated to Navient that the loan was fraudulently obtained, I filed a police report, filed a lawsuit against the former friend and won judgement in the amount of the loan, yet Navient will not cooperate ; I have documentation of everything. The promissory note is clearly fraudulent, my information is incorrect, the salary is falsified, and the references used for me are not even people I know, they are relatives of the borrower. Please help me in this situation. I can be reached at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started receiving e-mails from XXXX XXXX and XXXX XXXX   on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX card, and XXXX XXXX, XXXX, XXXX and TransUnion account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach XXXX or TansUnion by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on XXXX and TransUnion. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the XXXX Breach. Although my first indication that something was wrong was onXX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my TransUnion account due to tampering therefore I can not freeze that Bureau. I can not access XXXX by phone or on-line to freeze that Bureau. I have called and spoken to someone at XXXX whose sole purpose is to tell you to go to http : XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me ofXX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the XXXX XXXX Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, NC Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, CO Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX This is an e-mail account that I never created

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 01/13/2018 about Mortgage (Other type of mortgage) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: PROBLEM XXXX XXXX is planning on selling our home even thou we are working with XXXX ID XXXX " XXXX XXXX XXXX XXXX XXXX '' on a loan modification and representatives at XXXX have told us that we are currently under revue, however XXXX XXXX does n't seem to care about that and are still pushing hard for a foreclosure. I believe that they are violating California Home Owners Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax left their systems, and by extension, millions and millions of American 's incredibly sensitive information at risk of hacking by criminals. For a company that collects this much personal and private information about this many people, they should have had greater measures of protection in place. It is ridiculous that criminals could hack into a system with this much personal information. 144 Million people were potentially affected which is over half of the credit-utilizing adults in United States. Each of them, including myself, is now at risk for identity theft or fraud for YEARS to come into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JP Recovery Services failed to provide information on debt collection as per Case number : XXXX. Additional details per case number above. Initially the debt was reported for XXXX XXXX, my wife however after we filed a complaint with consumer finance, the debt is being reported to credit bureau under my name. 
We are not aware of this debt, have not received any statements or invoices, JP Recovery services has failed to provide details on this debt and continued to report this debt to the credit bureau. This debt should not be reported to any credit bureau unless a valid invoice is submitted. As per our insurance, we do not owe any balance to anyone including this invoice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax has deleted the account  XXXX   XXXX  and then it reappeared the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed many times a account opened XXXX Show more Account name XXXX Account number XXXX .... 
Recent balance {$9000.00} as of XXXX/XXXX/XXXX Date opened XXXX I did not ever owe this account no one has ever showed me proof. No payments were ever made on account and the 7 years statue was up XXXX. They re-confirmed that the debt was owed and put it to stay until XXXX. Statue is from date of last payment. Experian refuses to continue letting me dispute it The law says it should not even be there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Credit Service of Logan, Inc. (AZ).
Issue: Received a loan you didn't apply for

Complaint: received a voice message to my mobile phone # ( originating # of  XXXX   XXXX   XXXX   ) , stating I recently applied for a payday loan ( which is NOT true ) and I can get my pre approved {$1500.00} by going to  XXXX  and enter  promo code   XXXX

Company response to consumer: Untimely response
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: BBT BANK IS REFUSING TO REFUND {$36.00} OVERDRAFT FEE BACK INTO OUR ACCOUNT WHEN THE MONEY WAS THEIR. TRANSFER FROM SAVINGS TO CHECKING OF {$200.00} WAS PUT ON PENDING WAS MADE ON XXXX/XXXX/16. MONEY WAS NOT RELEASED FROM SAVINGS TO CHECKING UNTIL XXXX/XXXX/16 WHICH THE BANK CHARGED ME AN OVERDRAFT OF {$36.00}. I CALLED THE BANK AND TOLD THEM ABOUT THE ERROR AND THEY FLATLY REFUSED TO MAKE CORRECTION.

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 09/18/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I submitting a complaint against Conns in XXXX of 2015 for the same issue. I spoke with an Agent of Conns today and informed him that I will be making my payment on the XXXX and that if I continue to get calls I will be filing a complaint. I mailed a letter stating that I did not want to be contacted until I was past 30 days late on my payment in XXXX 2015. I am currently only XXXX days late on my payment and have received XXXX phone calls. At least XXXX of these calls were automated. I have attached a call log with the current information about the calls I have already received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: I own a condominium with a mortgage from Wells Fargo. I have been uploading my insurance certificate repeatedly to their website at XXXX for several months, faxing the info to the number I was given, and have made two telephone calls to them. Yet I keep getting notices saying that they do not have my current insurance information. Now i just received notice that they have purchased insurance for me, despite my already having insurance. No matter what I do I ca n't seem to get this resolved, and if feels like they just want to charge me for insurance. It 's very frustrating because I 've wasted a lot of time trying to fix this. My insurance agent has confirmed that Wells Fargo has all of the property information and that my own coverage is in place. Wells Fargo is not easy to work with.

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 04/17/2017 about Consumer Loan (Installment loan) with United Credit and Collections Inc. (MD).
Issue: Managing the loan or lease

Complaint: Can you please refer to case  XXXX  the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my  2 p ayments was the enrollment fee and the  XXXX  was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all  10  classes and they allege I only paid thru  XXXX . That is ridiculous and untrue no company would allow me to atten d 4  more months thru  XXXX  without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with GLOBAL CLIENT SOLUTIONS, LLC (CO).
Issue: Unexpected or other fees

Complaint: I Signed With Global Client Solutions. Ran Across Your Court Case Dated XXXX XXXX, 2014 Where Global Client Solutions Illegally Collect Upfront Fees From Consumers.Also Consumers Ended Up Deeper In Debt Than When They Started. It Started With XXXXXXXXXXXX XXXX XXXX XXXX At ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Florida XXXX An Notery Public To My Home ( XXXX XXXX ) To Sign Papers. She Said Is An Independant Notery Pubic And Did'nt Use A Notery Stamp. We Never Received Any Paper Work From XXXX XXXX. I Noticed There Was Up Front Fees Of {$100.00} For 9 Months.I Called XXXX XXXX And He Stated It Would Go Into A Trust Fund And All My Credit Cards Would Be Paid Also. The Up Front Fees Were Going To ( XXXX XXXX XXXX XXXX ) At XXXXXXXXXXXX ( XXXX ) XXXX The Main I Reason I Caught This Was XXXX Never Gave The Name Of Who Was Going To Withdraw The Money From The Bank. That 's When Researhed Global Client Solutions. ( Total Enrolled Debt : {$10000.00} ) ( Estimated Program Length : 32 Months ) ( Monthly Payments {$290.00} Date : XXXX ) My Name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX. Phone # XXXX. Last Question Am I In Deep XXXX? Also When You Multiply {$290.00} X 32 Months Comes Out To {$9300.00} Not {$10000.00} Where Did {$1200.00} Go? I Need To Know If They Are Legit! Help Please

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Account status incorrect

Complaint: XXXX continues to violate FCRA Regulation by reporting unvalidated information that is incorrect. I have proof from the " creditor '' that it can not be validated and it has not been removed yet. This incorrect info needs to be removed immediately.

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 11-06-2015 about Debt collection (I do not know) with Franklin Collection Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of identity theft and recently discovered that the person who stole my identity apparently defaulted on his obligation under my name. As a result this debt collection company has placed this item on my credit. There is no way that I opened this account up b/c I was in prison at the time

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (AR).
Issue: Problem with additional add-on products or services

Complaint: On XXXX XXXX, XXXX we decided to look into refinancing our current loan with Avant. We contacted the company via their website and phone and initiated the process to refinance. During the process a hard inquiry was performed on our credit. The terms were then supplied to us via the website. The process continues after you accept the loan amount and terms/rates. We accepted the refinance of the XXXX minus a roughly 200 $ administration fee. We were to receive roughly 2600 $ at a 35 % rate. We accepted and started using their website to finalize the information they require. Bank statements, pay stubs, personal information, etc. One of the processes is to " Link your bank account '' which allows the to pull the statements, etc directly. However due to security issues our bank would not allow the connection as it was considered insecure and potentially dangerous. We resolved this by uploading bank statements and pay stubs manually. We spoke with several people regarding the inability to link our bank account and they stated it would not affect the loan. On XXXX XXXX, XXXX we received an email to contact them in regards to further information required. We called in and they verified the information and proceeded with the processing. We logged in to check the status and our loan had been dropped by XXXX . This is after we accepted the terms of XXXX . I sent an email to question this activity and received no explanation. Instead they pushed a denial email to my account and refused the loan. After researching the company we have found numerous cases were they change your account and fixed loans without telling you. I find this a fraudulent practice and would like the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with DISCOVER BANK (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: New Penn agreed to fund our loan on XX/XX/XXXX and they were told immediately we had a non-occupant co -borrower. We provided all required asset and income information and we met every condition. The appraisal was ordered by New Penn and the house met the appraisal amount required. New Penn called me to confirm information and congratulated me on the home loan. New Penn told my broker to expect documents to sign on X/XX/17. Today X/XX/17, we were told they would not fund the loan because of the non-occupant co borrower ( which they knew about in XX/XX/XXXX ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation