milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on american express 's internal site/emails on the credit card company s site showing they dismissed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I received the loan in  XXXX  and it has been sold several times, from  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX  and no w Naviet, a nd the loans went from  Stafford t o private without me knowing, they have gone from subsidized to unsubsidized without any explanation. On the Navient website they have several loans that I am not familiar with and I feel that my loan has been paid off several times but each time it has been sold the bank adds fees to it which includes interest payments without my knowledge, I feel that this loan has been going on for to many years and bouncing around without my knowledge and I only had it in forbearance  one  time and they still continued to add fees. The history of my loan going from here to there without my knowledge with numerous interest and added fees is n't fair to me. A loan that was {$23000.00} went to  XXXX  and I have been paying on my loan since   XXXX   none stop and now I owe  XXXX  and I feel that these financial institutions owe me a refund for over paying them over the years. Please resolve this problem and refund my money and also the credits could n't be transferred to any other college so I feel that I paid all of that money for an education and none of the credits will go towards a  XXXX   XXXX  so I did n't bother attending college for a higher degree because I would of had to start over from the beginning. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with The Bureaus, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took a credit card for furniture ( in store card ) in XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The Bureaus Investment Group. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with Cheek Law Offices, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I 'm in bankruptcy I pay mortgage company and bankruptcy court the mortgage company lied to the court saying that I was  13 behind in payments I have proof of all my payments and I be letter from them stating that they applied two payments to my account.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have made several attempts to remove unauthorized inquiries from my TransUnion Credit report. They had several different name profiles on my credit report that do not belong to me. I have called several times to have these removed. With previous fraud alerts on my credit report, they are still refusing to remove my inquiries. The Following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/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 03-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: We were told our lowest payment option was interest only payments, Which we have found out is not true. 
Our interest even after payments accrued every month. 
Payments were allocated to incorrect loans by Navient. 
We have contacted Navient several times only to be told there is nothing they can do. 
We also were told by a Navient individual that would work with us after defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My Bank used a loan servicer ( XXXX ) to do their work of loan servicing. I paid my XX/XX/2016 payment of {$1000.00}, and the money was debited from my account, yet never showed up as payed to my mortgage, nor was it relayed or forwarded to my new loan servicer ( XXXX ). So my current principle is too high, my interest deduction XXXX form is incorrect, and to date Ive spent about 30 hours on the phone and researching what happened. 

What do I need to do to have an investigation of where my money went, and who is responsible for finding it and applying it to my loan and issuing corrected XXXX for taxes which are due in one week? 
Additionally, I 've attached the closing documents, which indicate the amount financed is {$190000.00}, which does n't make sense, because the loan that was transferred to the XXXX servicer, is shown at {$190000.00} which is greater than the total amount financed in the closing documents. How is that possible???? 


Please Help! 

Best regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: I applied to XXXX XXXX for their XXXX  XXXX XXXX XXXX. 
I received a reply from XXXX XXXX XXXX, XXXX XXXX, XXXX, DEXXXX " We have reviewed your application and dtermined that we are unable to approve you for a XXXX XXXX XXXX  credit card account for the following reason ( s ) : - Too few accounts with sufficient satisfactory performance " and, a later paragraph - " We also attempted to obtain your credit score from this consumer reporting agency for use in making our credit decision ''. and a later paragraph " Your credit score was not available because the consumer reporting agency may not have had enough information about your credit history to calculate a score. '' I have very little or zero credit history because I have hardly ever ( maybe never ) needed credit in the USA. I have lived most of my life abroad, and am a Permanent Resident of the USA. I am a citizen of excellent standing, no debts, no arrests, no criminal. I have accounts and debit cards at the XXXX XXXX XXXX, own my own company, make a good living, pay immediately for what I consume. 
Does this mean I must be penalized like a common criminal and not be allowed to hols an XXXX XXXX credit card? I need the credit card for my business as I travel constantly on 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 11/27/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Equifax and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE, INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I had hail damage to my roof to due a hail storm. I have been trying to get a check endorsed by the Cornerstone Mortgage for 2 week. They are forcing me to wait on an inspection and now that the inspection is complete they want me to wait another 5 business days to have the check endorsed and returned. The work has been completed and the contractor has been waiting on payment for almost 3 weeks. They refuse to escalate the issue and are frankly not worried about the timeliness of their customer 's payments to their contractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My student loan principal amount is {$25000.00}. When I contacted Navient they sent me my loan application that says I applied for a loan of {$1200.00}. Now Navient is trying to collect over {$50000.00} from me on this loan. I have made payments and I believe the additional fees and interest they are charging me is usurious and incorrect. I do have a co-signor and this is completely unfair to both of us. What they are doing borders on criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been requesting a modification since XXXX. We have been jerked around over and over. We have even called the corporate Headquarter to no avail. Our mortgage company is Bank of America. Loan # XXXX. Promise after promised. We have contacted many difference agencies and have been approved under the, ( XXXX and XXXX XXXX ect, which Bank of America has denied all of these programs approvals for us.. We have worked with XXXX for years and every time we got close to being modified, BOA told us we had to drop XXXX in orderr for the to help us and as always we end up in FORECLOSE again, again, again, .They promised if we could not get APPROVED we could use the XXXX program or short sale route to liquidate the property. But as always. Forecloser notices ARRIVED AT OUR DOOR OVER AND OVER AND OVER.We deserve a second chance like everyone else.Why have n't we received ours?

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 02-02-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (DC).
Issue: Account opening, closing, or management

Complaint: After my mother died in late 2015, I proceeded to close her estate. I was co-owner with her on XXXX bank accounts with Chase Bank. Since at least XXXX, the bank has refused to return the money I had put in the account amounting to roughly {$2100.00}. After some wrangling back and forth, the account was frozen and then closed due to a fraud alert, but that was straightened out months ago. Now, after at least 5 hours of phone time and writing letters and sending her death certificate which the bank then processed, the bank issued a check in my name to my mother 's former XXXX. Turned out, the check was returned because the mail at my mother 's house was not forwarded to my attention. The bank then destroyed the check. I was then told I needed to change my address. So, I did that over the phone. I 've live in XXXX. After a great deal more time had passed and I had no update from the bank, I called again and was told I needed to update my address IN PERSON. The closest Chase branch is in XXXX. This is the XXXX. I am not driving all the way to XXXX to change my address with the bank. Then, alternatively, they said I would need to go to a notary, call the bank, and ask the bank to fax an affidavit and indemnity agreement for me to sign. I told them I would go to a XXXX nearby to see their notary. Then the notary would fax back the document signed and notarized to the bank so I could get my check. I asked them to be sure and update their notes. That was before the holidays. I was dreading going to XXXX to follow up and close this matter since I was afraid Chase would fail me again. Last Friday, I mustered up my determination once again and called Chase before I went to XXXX. Sure enough, after being transferred to XXXX different people and being on the phone for XXXX minutes -- mostly on hold -- they said they would not send the agreement to XXXX for me to have notarized. They said once again I would have to go to a branch. I have never seen such gross incompetence by a bank before. Finally, I threatened to file a complaint with you, or file suit against them. The rep then transferred me to yet another person -- the first who sounded like she had authority -- and she said they would investigate my complaint. They said it would take up to 24 hours. That was a week ago. I 've still not heard back. How can I get my money back? This is ridiculous! I also want to be paid any interest on the account. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with FCI Lender Services Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my home in XX/XX/XXXX. My loan was originally owned by XXXX XXXX, I believe. Then XXXX XXXX XXXX XXXX took over the servicing part, I think. Unfortunately, I went through a divorce and the loan/note is in default. XX/XX/XXXX, it was sold to XXXX, in which they sold to XXXX, then back to XXXX all within a few months times ; and now they 've sold it again to FCI Lender Services. I am so confused because I ca n't find any assignments or transfers in deed records XXXX. I want this info so that I can reach out to apply for a loan mod. I am a XXXX and am very familiar with mortgages, default reconciliation, deed records, but I am not an attorney. I know that these companies must file notice, but I 'm unable to find anything on these companies, other than the correspondence they 've sent me. I 'm afraid to call because I do n't want to be scammed.

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 09/13/2017 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was contacted by Coast Professionals credit collection i was never contacted by them before and today ( X/XX/2017 ) around XXXX XXXX. i just received a called ( XXXX, XXXX ) from them at my new job in which id just been working for two months. and luckily i was the one receiving the incoming phone calls from my job. i asked why i have n't received any mail from them. i asked them to please never call my job again. My student loans are going to be handled only by the lenders not third parties. they ask for my social security number and i refuse to give it. I don '' t know how they got my work information. They had my personal information why called my job, why they never send any mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation