milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Debt collection (Payday loan) with Cornerstone Mediation LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by this company on XX/XX/XXXX. I was told that this is regarding a debt with XXXX XXXX XXXX ( never heard of them ) for a payday loan for the amount of {$540.00} with an origination date of XX/XX/XXXX - but then after further inquiry, it appears that this loan may not have originated that date but that was the date it was due so the origination date may have been as much as two months before that date. 

The XXXX call was transferred to a guy ( not sure who that guy was ) and I told him that this " alleged loan '' was placed into a bank account that had been closed since XX/XX/XXXX so that this potentially was a fraud account they were handling. He told me that I needed to take it up with the court and hung up on me. 

After calling back, I asked to speak with a manager. I was transferred to XXXX. I explained to him the issue and he provided me with the information I requested. I asked for a debt validation letter to be mailed because if this turns out to be fraud, I have various avenues to pursue. His demeanor completely changed after that point, accusing me of threatening him. I told him I was n't threatening him but I was just stating a fact and trying to get information in writing. 

The information they have is all confused. The initial call ( on voicemail ) said that I needed to be available from XXXX-XXXX for the currier service from XXXX County to serve me with documents. Again, this is the first contact I have every had with this company. I asked him where he was going to mail the debt validation letter to, he provided me with an old ( 3 year old ) address. I asked him where they got XXXX County from. He said that is where the address is currently at ( the address he provided was in XXXX County ). 

I asked if he had contact information from the company they got the debt from ( he said it came from a collector ). He informed me he did n't have that information but it would be provided in the letter as he did n't have that information readily available. I also asked if he had contact information for XXXX XXXX. He said he did n't and had never heard of this company ( weird, right? ). 

I told him I would call back if I did n't have a debt validation letter in my email by XXXX tomorrow ( XX/XX/XXXX ). 

I am attaching a copy of my last bank statement from the XXXX account he is speaking of to show that it was closed on XX/XX/XXXX before the alleged deposit. This account had many fraudulent activities which is what it was closed and all other issues have been resolved accordingly.

Company response to consumer: Closed
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with ProCollect, Inc (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.

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

Complaint: Equifax did not adequately protect my personal information. I am one of the 143 million individuals whose privacy and safety was compromised by Equifax 's inability to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've had a few fraudulent accounts on my report since XXXX. At the time I was under the age of XXXX years old, basically a victim of identity theft. I 've been reporting these items on my report for the last year or two. My report contained an address I 've never resided they 've been reporting that address for 4+years. I 've been disputing the account since I turned XXXX. The two XXXX XXXX collection accounts do not belong to me, they were opened before I was of a legal age. The third account is a cellphone carrier XXXX, once again I was underage. So how are these accounts being opened when I was only XXXX years old??. Unless my info was being falsified. So now Equifax is keeping this account on my report even though it was fraudulent. XXXX  removed the account with little to no issue after I explained the situation. Someone falsified my information and used it to open these accounts. I 've been explaining to equifax but it still has n't been resolved. Im asking for contracts and or agreements bearing my signature to prove the validity of these two accounts, If there isnt these accounts should be removed. If not I 'm allowing my attorney to handle this, I 've already authorized my attorney to access my reports. I am not gon na keep allowing equifax to keep damaging my score by allowing 2 collection accounts to remain on my report that are a result of identity theft. I 've even received a statement from the Federal Reserve acknowledging there was indeed identity theft involved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Credit line increase/decrease

Complaint: My credit limit on XXXX credit cards with Synchrony were lowered due to a credit bureau pull they completed to under the amount owed or at the amount owed. This was a XXXX card and a XXXX card only that I applied for in order to help improve my credit. the XXXX card was lowered to XXXX and the XXXX card lowered to XXXX. They say it was due to items on my bureau? First, although they can adjust my limit at anytime per my agreement, I never authorized these bureau pulls. And since my husband and I gross over XXXX per year, and these were medical bills in dispute, when they are either paid or settled, will synchrony restore the prior limit? Also, how is this fair to consumers as now this has also lowered my credit score even more, as it now looks like the credit utilization for these accounts are at 100 % when before they were not. So they XXXX pull my bureaus and then also lower my score even more??? And these are on small cards? I could understand if we had a large reduction in income or debt owed with very high balances. But that is not the case. It was medical bills that were well under XXXX which is less than 2 % of our gross income?

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 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried downloading my free annual credit report a few months ago using my XXXX, and XXXX apparently is n't a supportive browser, because the websites locked up, and I had to restart my phone, so I was never able to review my credit report. I should also note, I ordered all XXXX reports at once. XXXX now states that I 've viewed all credit scores. Can this be reset so I can view my reports?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Received a credit report from Experian today XX/XX/2016 that was dated for XX/XX/2016 with my name deliberately incorrect. My name is XXXX XXXX XXXX but my report was sent to me with XXXX XXXX XXXX. Please know that Experian has numerous copies of Driver License and Social Security Card. I 've enclosed the documentation of proof with this complaint.

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 09-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX and I opened a Home equity line of credit with XXXX bank XXXX/XXXX/XXXX it was an interest only line of credit, which we used to pay for XXXX expenses as we sent her back to college. Harris Bank bought XXXX in XXXX XXXX, by XXXX XXXX we received the letter telling us that the loan was no longer offered and we could work with them to convert the loan. We began working with XXXX XXXX ( XXXX ).  After several weeks, we were almost to the end when XXXX ask for XXXX Social Security number. Being concerned about Identity theft we sent the last email asking her to look it up on the taxes we had sent earlier, I did a follow up with a phone call and gave it to XXXX verbally, and confirmed that was all she needed from us. 
We didnt hear anything else from Harris, now BMO until XXXX XXXX, XXXX and we received a refund for interest (? ) following with the letter XXXX XXXX, XXXX giving us to XXXX XXXX to address the issue. We had contacted BMO and we referred to the recovery department and they were looking for an offer to pay off the loan and were told that getting a loan modification was not an option. When I asked where my loan went for 2 years I was told that since I had not giving all the information on the first application my file was closed, I told them I had, and was inform that was not the case ( please refer to my emails ). As of XXXX XXXX, XXXX BMO reported the loan are a write-off and my credit score dropped to XXXX, even though the last letter said the was no negative reporting. I then contacted XXXX XXXX the manager XXXX branch where the loan was originated and asked her to fix my credit. I gave her copies of my documents and indicated she thought she could help. Over 60 days later ( and many phone calls ) she informed me that the only option I had was to work with recovery and they will not fix my credit. Desperate a referred back to the last letter and contacted the department listed and currently am working with XXXX XXXX, to get a loan modification, however this is not a sure thing and it will still not fix my credit. 
The long and the short of this is BMO should have never closed my loan application in XXXX. In reviewing my credit score after XXXX XXXX, the loan was listed on my report and without and payments and my score dropped to XXXX for not having on time payments and using over 90 % of my available credit, which I was unaware of until recently. After it was reported as a charge off it dropped to XXXX. I have contacted my own bank who will not give me a loan with a score so low. I have never tried to get out of paying this loan, I have only dealt with BMO in good faith hoping for the same but, by BMOs actions, I am trapped, I can only take whatever they offer me. I need you help as my advocate, Im out of options.

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 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I ordered a credit report from Experian in which they offered a credit tracking service on a 7-day trial basis. I did not discover they were billing my credit card until months later when I checked my bank statement online. 
I attempted to obtain a refund for the charges as I did not wish to order their credit tracking service, only a copy of the credit report. Experian did refund one month 's charges but refused to refund the remaining balance of approximately {$130.00}. 
I do understand I should have read the order more closely, as well as monitored my bank statements. However, I do not believe it is ethical business practice to force consumers to purchase a service along with their credit report. Experian should offer customers the OPTION of registering for this service when they order a credit report but should not make it mandatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I logged in to my XXXX XXXX XXXX app on XX/XX/XXXX to check may balance and make a partial payment to my " Bank of America '' credit card, in order to lower the balance reducing my credit utilization to prevent impact to my credit score. Because a temporary charge from Friday XX/XX/XXXX changed from {$1.00} to {$3.00} after I scheduled my payment of {$60.00} I was {$0.00} cents short of the payment I attempted to make. As a result XXXX XXXX XXXX charged me a {$35.00} NSF fee. I called to ask for a 1 time courtesy waiver due to uncontrollable circumstances and the bank refused to grant me this courtesy after having my account with them for over a year and half and having never requested any fee waivers from them. I explained that their policies are not adequate to the least sophisticated consumer and their practices are misleading and unfair which is a UDAAP violation and that I would close my accounts and discontinue business with them. They advised me they have no retention practices and can not make an exception. I believe this practice is deceptive and abusive and unfair and have caused me an undue hardship. I would like the CFPB to use its rule making power to force this financial institution to make this exception. I am being victimized by the financial services industry and merchant transaction practices.

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 monetary relief
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with United Debt Holdings, LLC (FL).
Issue: Struggling to pay your loan

Complaint: I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last  4 of  my  SSN wr ong. And when I said it was wrong continued disclosing. Stated to me I had until   XXXX   XXXX   today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a panic disorder and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sol d it to United Debt Holdings . .. .which is who I talked to yesterday. I have both #  s a nd the reference #. They probably have me listed as   XXXX   XXXX  . My last name has now changed. I will not provide my SS # because they did n't have the la st 4 right t o begin 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 explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: I submitted several disputes to Equifax regarding a tax lien filed in XX/XX/XXXX. I checked with the clerk of Court whom stated to me that they do not verify ANY sort of information or report information to the credit bureaus. I was also educated about the new law that took effect XX/XX/XXXX. The tax lien reporting on my credit does not list any identifying information such as my DOB, and social security number. Equifax has failed to follow this new law and this lien should have been deleted from my credit report following the first dispute.
XXXX and XXXX have deleted the lien, but Equifax has not.
My name is XXXX XXXX.
DOB XX/XX/XXXX SSN XXXX Tax Lien Reference # XXXX.
Your assistance with this issue will be greatly appreciated.
Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The end of the year XX/XX/XXXX was approaching so I called Navient ( student loan servicer ) to discuss repayment options. I was told in XX/XX/XXXX over the phone by a customer representative that my loan would increase from $ XXXX/month on a gross income of XXXX to $ XXXX/month on a gross income of {$100000.00}. However, after speaking with customer representative and filing paperwork a different result was reached on XX/XX/XXXX : I would now be paying $ XXXX/month based on a {$100000.00} gross income for their income based repayment program. How can the results be so drastic?!!!! I can not afford to pay this nor can I afford to go into forbearance as Navient suggested I do. Note this is not the first time I 've had problems with Navient and their varrying degrees of monthly payment changes. Also, I do n't believe it to be fair to base my payments on my gross income, an adjusted gross income would be more fair. Lastly, this system does n't take into account that I have to pay my health insurance which is approximately $ XXXX/month and will spike to approximately $ XXXX/month beginning in XX/XX/XXXX. Most people who have jobs as veterinarians have health insurance paid for as a perk, but not in all cases, hence my case. There has to be a better answer to this horrific trend NAVIENT has had with my loans and a more affordable way to pay this so I do n't have to go into forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed XXXX dollars. Website said click here, funds in account next day. It said click to continue. I did. Then i called and asked about how many payments i must make. I was told XXXX for 5 payments. I said ok and clicked on button to agree. I made 5 payments and called them. They said i must make 20 payments all together and only XXXX dollars from the XXXX went to my principal. This is almost 100 percent interest which is illegal in new jersey

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both Experian and XXXX XXXX. Experian responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to Experian ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file. XXXX XXXX did not reply at all to my request,.

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 05/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?

Company response to consumer: Closed with explanation