milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (KY).
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: My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky  University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Wells Fargo reported me to XXXX XXXX XXXX and Im not sure why. It is affecting mr from getting a bank 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: REGARDING A CLOSED DEBIT ACCOUNT WITH WELLS FARGO. XXXX, 2014, MADE AN ONLINE PURCHASE WITH XXXX XXXX. TICKET WAS NEVER USED. XXXX, 2015, XXXX AGREED TO REFUND MY PURCHASE. THEY SAID THE CREDIT HAD TO GO BACK TO THE ORIGINAL DEBIT/CREDIT ACCOUNT. EXPLAINED TO XXXX ... MY ACCOUNT WAS CLOSED. IT WAS SUGGESTED TO CALL WELLS FARGO AND EXPLAIN TO THEM A CREDIT WAS COMING ... AND, TO ISSUE A PAPER CHECK TO ME UPON RECEIPT. WFB, AGREED. CONTACTED XXXX TO TELL THEM GO AHEAD AND PROCESS THE CREDIT TO WFB BASED ON THE COMMITMENT GIVEN TO ME BY WFB. HOWEVER, WHEN WFB RECEIVED THE CREDIT ... THEY DIVERTED THE FUNDS TO MY CLOSED ACCOUNT STATING I HAD A NEGATIVE BALANCE. BELIEVE WFB ERRED AGAINST THEIR POLICY. THE PRESIDENT OF THEIR DEBIT/ATM DIVISION INFORMED ME ... IF THE ACCOUNT HAS BEEN CLOSED FOR 30 DAYS OR MORE ... THE CREDIT IS RETURNED TO THE MERCHANT. BECAUSE WFB WAS ALERTED TO THIS INCOMING CREDIT ... THEY SAW THE OPPORTUNITY TO DIVERT THE FUNDS. THE CREDIT WAS NOT INTENDED TO BE POSTED TO MY CLOSED ACCOUNT. WFB HAD NO RIGHT TO TAKE THESE FUNDS. ONCE AN ACCOUNT IS CLOSED ... TRANSACTIONS CA N'T BE POSTED AGAINST THE ACCOUNT. WFB MADE A COMMITMENT TO ME HOW THE INCOMING CREDIT WOULD BE HANDLED ... THEY IGNORED THIS COMMITMENT. I KNOW FOR A FACT IF I HAD N'T ALERTED WFB TO THE INCOMING CREDIT ... IT WOULD HAVE BEEN RETURNED BY THEIR SYSTEM TO XXXX AS AN UNIDENTIFIED CREDIT. ADDITIONALLY, VISA, INTERNATIONAL INFORMED ME XXXX HAS THE ABILITY TO REVERSE THE CREDIT TRANSACTION. MORE DOCUMENTATION IS AVAILABLE. THANK YOU FOR YOUR TIME. PLEASE EXCUSE THE UPPER CASE LETTERS ... HAVING A PROBLEM WITH THE KEYBOARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Since XXXX 2017 I have applied for the Walmart card and have been denied each time. I decided to apply my last attempt by going into the store instead of online. I was denied once again. I called the bank after receiving my denial letter and informed them that I had also applied at 3 other banks and was granted cards with very high limits. I was told to send in my financials and my request of proof of the valid score of XXXX that came with the denial letter. I gathered all this information and sent it to the bank. One month later I called the bank to find out the status of my request. I was told by another rep that it is not the policy of the bank to review card requests after a denial. WHAT!!! then why have me send in all that verification? I explained once again that I opened a XXXX XXXX, XXXX and XXXX XXXX and was grated credit with high limits. How could this be possible with a fico of XXXX? something is wrong here. I have been getting the run around for 2 weeks now and no one wants to say what happened to my information that was sent in.

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 05/25/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has called myself  1 time every six  months for the last few years. They are looking for a family member to collect debt from. I have no information on that person.   I provide our phone numbers and said not to call us every time. I tried to get information on how they got our information. They said something about skip tracing, I have no idea what that means.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with Transunion, XXXX, & XXXX credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my Transunion credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # 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 10-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My Husband pasted in 2014 and since I 'm not on the Mortgage Nationstar Mortgage will not talk to the spouse to get anything resolved in this case. My hands are tied because they wont talk to me. I want to stay in my home. I also have a child that lost his father at XXXXyrs.old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: No knowledge of this account, noticed this on my credit report. Did not receive right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian refuse to removed inaccurate information on my account. The only thing that they did was put a fraud alert on the account. I didn't receive any results of any kind.

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 03/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Settlement process and costs

Complaint: During a very slow and painful loan modification XX/XX/2015 our mortgage company, Ocwen, stopped paying our mortgage insurance from our escrow account. We were assured that once the modification went through, payments would begin again and bring the insurance premium current. Our modification was completed and I assumed payment had resumed as each mortgage statement included the amount for the premium. My husband passed away on XXXX XXXX, 2015. I called the insurance company to make a claim and was told that no payment would be made because the account was severely in lapse ( only brought current through XXXX 2015 ). Ocwen was made aware of the problem and I was told that yes, they had not made payments on certain dates, causing the policy to lapse. Nothing further was done. I called again on XXXX XXXX to make a formal complaint and was told they would look into it. Each week since that time they call to inform me that they have n't forgotten about me, but nothing new has been discovered. I understand that some research must be done, but my husband has been gone for 4 months now and I have continued to pay my mortgage on time ( plus additional towards principle ), as I have done each month in the past. I would very much like for this issue to be resolved quickly ( or as quickly as possible ) and I feel that Ocwen is dragging their feet in the hopes that I will give up and forget this issue. It seems that this is a common practice for Ocwen as we have experienced this behavior in previous dealings, which once included another formal complaint being made on our behalf by our Congressman 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from HFC calls my cell phone as well as the phones of my family members threatening me every day on debt that I DO NOT OWE from 2005.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I took a private loan from XXXX XXXX which now switches to Navient. Although I ca n't find a job using my degree yet ; I still make the effort to pay toward my debt. They used to take the payment directly from my checking account but they stopped since last XXXX. When I called to question why they have n't the payment from my checking they told me that I did n't renew the income based payment arrangement ( which I did in XXXX ) they verified the date that I told them I call to renew but they told it was n't done. When I asked what I can do to renew again they told me it was too late and I have to reapply again. They asked me for my employment /income information, my expenses then they told me I was in negative by {$900.00} so I was not qualified for income based payment. They changed my monthly payment from XXXX to almost {$300.00} which almost double of what I was paying. I offer to produce my tax return my son daycare information my rent payment and so on to verify that I was n't lying about my financial situation but they declined. They want me to have my co-signer a friend and a single mom of XXXX who 's already struggling on her own to pay the extra money they add up to the payment. Every time I called to make a fair payment arrangement they refused and kept making threat and harassing my co-signer every day. Whenever they talked to my cosigner they told her they were willing to make an affordable payment arrangement and I was the one who did n't want to pay them which was completely false. Since I decided not to take their phone calls due to their effects in my health, I paid them XXXX payment over the phone then I set up bill payment through my bank and paid them through my bank. Yet they are still threaten and harassing me every day with phone calls or my co-signer. They even called me at work and did not give them my work number or fax number. They even went further by faxing my work without my permission and got me in trouble with my supervisor because she thought I was the one giving them my work fax number for personal business. I had to explain to my supervisor that I was n't the one giving them the fax number and have to discuss my personal information at work which was very embarrassing. I have proof that they 've been getting their payment but they are still calling us and making our lives a living hell. I just want to know how can I stop Navient to stop harassing me to death because one of these day they going to cause me to XXXX for a {$25000.00} loan which I am trying my best to pay them every month.

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. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, per the Equifax website portal to check, was obtained without my consent by criminals who illegally breached that data in possession of Equifax. I have filed a credit fraud alert for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: XXXX XXXX has not updated information to XX/XX/XXXX and Transunion with my accounts. I received a letter stating this would occur but, it has not.

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 05/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other fee

Complaint: I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a modification in XXXX of this year. In XXXX, Nationstar Mortgage said my exhusband should have signed the papers because he was on the original mortgage. I was fine with this until they also added him to the note. He was never on the note. I did not need a cosigner for the loan or the modification. They refuse to remove him from the note and insist that he signs it. They told me that a Promissory Note is not a note for payment. They told me that a Note means different things in different states. I am now faced with applying for a new modification and they have told me that it will be refused if he does n't sign.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Capital One bank is taking me to court over {$2000.00}. We missed a month and they said we had to pay {$300.00} and would n't work with us. We did n't have that money. So we could n't pay. Now I 've received a summons to court over {$2000.00}. We do n't have that kind of money. We are barley getting by. My daughter has a XXXX on her XXXX, my father in law is XXXX of XXXX, and I just recently had XXXX XXXX XXXX. I feel like my rights are being violated when it comes to the fair debt collection act for using abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting XXXX tax liens ( public records ) that should be removed from my credit report. I have sent Equifax IRS forms XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Both XXXX and XXXX have removed the tax liens, as legally they were supposed to. I have spent numerous hours on the phone with Equifax, including filing both an online dispute and regular mail dispute - all with the outcomes that the tax liens on my credit report are valid. This is illegal and they need to remove these tax liens from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

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 10/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent Midland a dispute letter regarding the above account that you sent me a settlement letter for. In my letter I advised you that this was a dispute notice & that I have never had an account with your company-Midland Credit Management or your XXXX Bank. I also advised you that I never applied or had a XXXX XXXX card. 

On XXXX/XXXX/XXXX, I received a response letter from XXXX XXXX, XXXX XXXX. The letter was undated & it failed to acknowledge any receipt of my dispute letter that was sent and received certified mail thru XXXX # XXXX XXXX XXXX XXXX XXXX. However, instead XXXX XXXX 's letter only stated XXXX 's new policy that was effective : XXXX XXXX, XXXX. At the bottom of XXXX XXXX 's letter, he then went on to state, This account XXXX still be reported on your credit as unpaid. I am not too sure if my simple letter was mis-comprehended, so I have re-sent a copy of it again with another dispute letter. In regards to XXXX 's statement, this can not still be reported on my credit when I have never had, opened, or obtained this account with XXXX XXXX XXXX XXXX. At any rate, even though XXXX 's response time limit expired & failed to be a DEBT validation, he should have sent me a debt validation. However, I know it is impossible Midland can furnish a DEBT VALIDATION because I have never applied for a XXXX XXXX credit card with XXXX XXXX! As a result, I am re-contacted the FTC, and I will continue to dispute this until it is handled CORRECTLY!! How is XXXX XXXX a XXXX at Midland Credit and he is not wise enough to acknowledge disputes or send debt validations in response to a dispute, sending me a general letter after I have sent XXXX a certified dispute will not be accepted. I have mailed CFPB a copy of his letter along with a copy of my original dispute letter to demonstrate his ignorance in the FDCPA & FTC.

Company response to consumer: Closed with explanation