milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: They should contact my mother to collect these loans Navient is distracting me on my job and home calling numerous times daily for PRIVATE loans I did not take out even though I have repeatedly explained I had no knowledge of these loans and had a full scholarship and grants throughout my college years. 

I have completed all paperwork : notarized affidavit ; checks ; online loan applications ; etc. and gone through a law enforcement investigation in XXXX, CT where the loans were taken out by my mother. My mother has gone through a law enforcement investigation in XXXX, CT and signed a notarized affidavit. XXXX XXXX met with the prosecutor and the case was thrown out and made a " documentational file. '' Navient has even written to me saying, " I benefited from the loans because I was living at the same address. '' I was a full-time student, living and going to college at XXXX XXXX XXXX. 

This is deceptive business practice under FCC for me to be interrupted by Navient numerous times per day. XXXX XXXX and XXXX dropped the cases but it appears that Navient took out a federal guarantee insurance policy to cover themselves. My mother has paid hundreds of thousands of dollars and because of combined interest, NOT ME. This is harassment in the worse way. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Since XXXX of 2014, I wanted to have my payments due on the XXXX or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Debt collection (Medical) with Credit Systems International, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX and XXXX XXXX ran my credit multiple times after being notified that I was not purchasing a vehicle at their dealerships. There are a total of 6 hard inquires from XX/XX/XXXX to XX/XX/XXXX. I only authorized 2 of these hard inquiries. They did this in an attempt to negatively impact my credit score.

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 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently submitted a complaint with cfpb reguarding this I am not asking for reinvestigation from Transunion, XXXX or XXXX, only thing that will do is have them send me a letter saying we verified these accounts belonging to me if you verified these accounts as mine then please send me proof or delete off my report due to I have been a victim of identity theft and i sent proof of this to all XXXX Transunion, XXXX and XXXX only for them to respond acconts will remain as we verified these a belonging to you no proof or assistance to show me how.

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 07-11-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX, XXXX Equifax Information Services LLC To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX The status, terms and multiple late payments reported here must be verified carefully, they are showing negative information that could be incorrect and that is hurting negatively my credit history XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: have been in a foreclosure for 7 yrs mortgage company finally foreclosed because of fraudulent docs.i have proof of fraudulent promissory note as well as fraudulent deed of trust finally the mortgage company got the documents it needed forged they never had a valid deed of trust with proper signature or a promissory note with proper signature, But hey got this papers forged .I have papers where the notaries stamps are marked out I have papers that state the note was lost and they are adding in a blank note which is illegal I need help to stop the sale of my property which is up for sale on XXXX XXXX 2016 I cant take this case back to superior court and the XXXX board of appeals will not consider any new evidence in this case so I would like for criminal charges be filed against the XXXX attorneys and the judge that handled this case but I fear for my life as well as my family based on a case that was filed against a judge and mortgage company out of XXXX XXXX .the judge that ruled on this case in XXXX XXXX XXXX the person he ruled against was called SUNNY XXXX OR XXXX LAST NAME XXXX XXXX or XXXX was found dead shortly after .I know that the attorneys for the mortgage company has international ties so that is my problem of being murdered if I bring charges against attorneys and mortgage company as well as the judge who ruled on this case.But I will not be intimated by fear I am XXXX yrs old so if death be an issue in me persuing just by these crooked lawyers and judges let it be but I want these XXXX prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We now have been working with Ocwen ( that 's a stretch ) for over 4 months on the mortgage. They confirm they have received all documents except a document explaining why a teacher is paid 11 months out of the year rather than 12. This explanation has been sent twice, escalated to the escalations specialist XXXX at Ext XXXX who by voicemail confirmed all documents received. Now we received a call and confirmed that they are stating they have not received the documents and the original documents are expired. They 're happy to assist with re submitting the documents ... This comes from the relationships desk. We have had several appointments with the relationships representative in which they have not kept the appointment. The note read back from the representative is that we did not keep an appointment yesterday so they left a message. no appointment was scheduled. I 'm now in the process off escalating by sending copies of what we have sent in to the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX District Office XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX, President and CEO XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, General Counsel XXXX XXXX, President Ocwen Services XXXX XXXX XXXX XXXX, FL XXXX Ocwen Board of Directors Corporate Secretary Ocwen Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: In early XXXX XXXX, I had a fraudulent credit card purchase on my XXXX XXXX XXXX store card. The purchase was made on-online for over {$2000.00} and I received an email confirming the purchase was done online. When I called, the number on the back of the card, I was told that they do n't handle online purchases and I had to call another number. They did n't try to connect me but just asked that I handle it with the online department. When I called the online department, they asked me to call the credit risk department. A cumbersome user experience that I had to follow to protect my privacy. Eventually they added a password on my account for future purchases. Now its XXXX XXXX, I tried to make another online purchase, only to find out the fraudulent shipping address is still on my account. So I tried to call, only to be asked to call the online department and go through the same cumbersome service to protect my privacy. By the time I learned how difficult the process of online buying will be, especially that I forgot my password ( and had to MAIL out a letter to change it ) my order was no longer available. I had to cancel my credit card after being a customer since XXXX and affect my credit score but this was the worst experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 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: Account status incorrect

Complaint: I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 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 information incorrect

Complaint: 1. Derogatory Information : XXXX - XXXX/XXXX - Revolving - Never Late, requested to correct error. 
2. Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX : Never Authz to run credit requested to remove. 
3. Inquires : XX/XX/XXXX - XXXX XXXX XXXX - Never Authz to run credit requested to remove. 
4. Inquires : XX/XX/XXXX - XXXX XXXX - Never Authz to run credit requested to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 there was a withdrawal for {$3100.00} made on my account at a branch in XXXX, GA. This was a fraudulent withdrawal and I made initial contact with the bank on the day of the transaction. On initial contact on XX/XX/XXXX I was given on confirmation number of a fraud claim, on XX/XX/XXXX I went into the branch where the associate assured me a fraud claim had been initiated. I was out of the country from XX/XX/XXXX to XX/XX/XXXX on my XXXX. Upon returning I discovered the fraud claim had not been opened. This was odd since my checking account no longer appeared in my online banking and on XX/XX/XXXX when I visited the branch the associate confirmed my account had been flagged for fraud. 

On XX/XX/XXXX after XXXX hours in the branch we opened up a new fraud claim and it is now XX/XX/XXXX and I have received no contact other than on the day of XX/XX/XXXX from a fraud investigator. Several things stand out ... I was shown the withdrawal slip that was used in the fraud transaction:1. my last name was misspelled2. the teller wrote down a driver license number that was not mine on the slip3. The signature looked nothing like my signature ( what is the point of signature cards? ) 4. I have never previously withdrawn anything of that magnitude from a teller window transaction. 

And yet it has taken SunTrust nearly a month to process this fraud claim and no one at the company can tell me when I will have my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. 

I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is in regards to a recent claim dated XXXX XXXX, 2017 regarding account # XXXX which Enhanced Recovery claims to have verified, and that I owe them in the amount of {$2200.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a bill. This company along with another collection agency, XXXX XXXX, continue to report this on my credit file which I have recently disputed with XXXX credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

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 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B )  for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : 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 10-02-2017 about Student loan (Private student loan) with AES/PHEAA (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On XX/XX/XXXX, I received a private loan from XXXX XXXX for {$30000.00}. I  graduated from XXXX in XX/XX/XXXX. Since then, I have been paying at least {$280.00} a month as a repayment. I began XXXX XXXX  in XX/XX/XXXX, but was unable to receive a deferment on the private loan payment despite not being able to work. At the same time, I was able to receive deferments for the extensive federal loans. Despite this fact, I paid my monthly payment of {$280.00} a month every month since the summer of XX/XX/XXXX. I graduated from XXXX XXXX in XX/XX/XXXX. During this time, my loan has been transferred by XXXX to American Education Services, and they have increased my loan payment to {$300.00} a month. I have been unemployed since XX/XX/XXXX,  but I 've been able to pay my monthly payment every month. However, the payment is crippling. The outstanding balance on the loan is over {$35000.00}. I need immediate help with paying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation