milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call on XXXX/XXXX/XXXX at XXXX eastern from Phoenix Financial Services saying I owe money to a hospital from XXXX XXXX ( it is XXXX XXXX ). I was told the debt is over {$400.00} because " your insurance does n't cover it. '' He may or may not have given me an exact amount. The rep kept talking over me. 

I tried multiple times to ask him for some specific information as ( 1 ) I have not received anything in the mail from Phoenix Financial Services, nor recall receiving a hospital bill ; ( 2 ) the rep did n't identify the hospital, only a medical billing service ( XXXX? ) ; ( 3 ) I do n't know if this is supposed to be for me, my wife, or son ; and ( 4 ) I did n't ( and still do n't ) recall a hospital visit. I tried telling him that I 'm not going to pay something, especially over the phone, that I have no idea what it is being collected and this is the first time, I believe, that I am being notified. 

The rep was more interested in offering me " a huge discount '' but I " had to pay now ''. After asking at least 3-4 times for more information, I asked for a debt verification. The rep got angry and loud, called me a " pro at avoiding your debts '' and threatened to " report it and affect your credit. '' With that I hung up as I was not going to bullied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 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: When using the website free annual credit report - XXXX and Experian I was unable get a copy of my credit report - XXXX I was. I got an error and an XXXX number. Upon calling the number - they wanted to sell me a copy of the report. it was fully automated and no way to chose any other option or to talk to someone live. We need the free option to download this free from the internet - I think the company has conveniently has this broken so they can sell this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Before all my accounts where absorbed by NAVIENT, they were deferred, so its Impossible that there was a late payment on XXXX XXXX. Most likely what happened is that because of the big change from us department of education loan services to Navient exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XXXX for 90 days when until XXXX everything in good standing as well as XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an 8 month old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
PM

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have taken the following steps : Between yesterday, XX/XX/XXXX and today, XX/XX/XXXX, I have spent over 2 1/2 hours on hold on three various telephone numbers ( XXXX. I held on for forty-five minutes yesterday ; XXXX I held on for one hour fifteen minutes today ; XXXX I held on for fifteen minutes today, only to have a recording tell me that he could not help me ) I then spent approximately one hour on the disputes website attempting to file a dispute, three times only to find that, after submitting, that the supporting documentation had to be a PDF file and I was timed out ( I was only online for approximately 5-10 minutes before being timed out ), I then converted my document to PDF and re-entered the website submitting the information all over again, and then received a flag that I was over the one thousand character limit, which had not been noted on the box provided for explanations and after 5 to 10 minutes editing the number of characters, I was timed out again. I attempted to resubmit a third time and I received a flag that I had exceeded the number of views for my report number and it would not allow me to go back online to submit a dispute. 

I have found Experian service to be highly unsatisfactory, disturbing, and non-consumer oriented. This is as professional opinion as I can render. The experience has been horrific to say the least. A company that deals with consumer credit like this should not be allowed to operate. I say this with a heavy heart and I do not say this lightly. 

The following is the information I am seeking to have corrected : I am writing to you with regards to report number : XXXX. 
Noted on page 23 of twenty-four of this report is : This address may be perceived as high risk since it is a nonresidential address : XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

My address is correct : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

However, there is no XXXX XXXX XXXX nor is it a commercial address. It is a residential address only. 

I conducted a web search for XXXX XXXX XXXX  and was unsuccessful in finding that particular company or any company associated with my address. I attempted to attach supporting documentation, however, as previously noted, I was timed out and ultimately locked out from the Experian dispute website. 

I am seeking to have the Notices section of the report and my credit information corrected to reflect it that it is a residential address. 

Thank you, 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 non-monetary relief
Consumer complaint received 12-04-2015 about Consumer Loan (Vehicle loan) with VW Credit (AL).
Issue: Managing the loan or lease

Complaint: I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EdFinancial Services (TN).
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: The following Student loan accounts are reporting late and therefore showing negative on my XXXX REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.ED Financial XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. ED FINANCIAL XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with The CBE Group, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls up to XXXX times in a week, saying " If you do n't respond to our calls for our debt collection, we ca n't be responsible for you going to jail. '' What debt? I 've asked them who this XXXX or XXXX is, they get snotty with me, tell me to confess I 'm what 's his name and tell them my address, insert unknown name here. And then they 've said, " We 're just going to blow up your phone, so you might as well start by sending us XXXX XXXX dollars as your first payment. '' Payment for what? I do n't owe these clowns or anyone one else anything. Tell them to stop threatening me and stop making ANY contact!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with SKO Brenner American, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: While living in  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  alarm company provided alarm service to my house in  XXXX . In  XXXX  of  XXXX  I notified them by phone that I sold my house. I asked if they provided service for  XXXX ,  XXXX  where my new house was located. They told me that they could provide this service.     I asked them to disconnect my alarm system so I could take the wall unit with me to  XXXX . A  XXXX  employee said they did n't have an employee to do this, since somebody was dismissed, or quit. Instead, someone talked me through disconnecting the wall unit for the alarm system.     After arriving in   XXXX   I called them at least three times to request that they install the alarm system in my house. They said they would, but could n't give me a date. Every time I talked to them they said they needed to recover the contact points from my old house first, before they could install in my new house. I gave them my realtor 's phone number to aid them. This went on for three months, from  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . At this point I called and said that I had been without service for three months and asked " How can I trust you to provide emergency service to my house if you ca n't even install the alarm in my house? '' I notified them on  XXXX   XXXX ,  XXXX  that I was cancelling my service with them for non-performance of our contract for the previous 3 months.     I was paid up when I left  XXXX   XXXX   XXXX . They never installed a system in my house in  XXXX . They continued sending me letters asking for payment for service they were n't performing in  XXXX . They harassed me constantly with these letters. I sent some back and destroyed others. I have the most current one which is from  SKO Brenner American , Inc,  a collection agency. They 're asking for {$1300.00}. This contrasts with the first request from  XXXX  which was for {$300.00} on  XXXX / XXXX / XXXX . I also have this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello my name is XXXX XXXX XXXX. I have been disputing my personal information to TransUnion. XXXX sent a copy of my XXXX and ss # with my correct name since XXXX 2016. Everytime I talk to them they claim that ca n't change my name because I have account in my maiden name XXXX. However that 's not my legal name and I refuse to let them keep disrespecting me. When they send me mail they say XXXX XXXX XXXX. That is not my legal name and they should respect that. Why do the government allow the credit bureaus to do what they want. I 'm going to file a law suit for wrongful use of my name if TransUnion ca n't get it right. I know the law is that if my legal name is XXXX XXXX XXXX TransUnion suppose to honor my name and stop discriminating and disrespecting who I am. I want my mail and my credit report to display who I am. Thankyou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2018 I received an alert from my credit monitoring app that my XXXX student loans was 2 mths past due. I immediately called XXXX and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans

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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Both my twin sister, father and I applied for membership for USAA based on my father 's XXXX XXXX, eligibility that my XXXX is a military vet with an honorable discharge. My account and identity was verified and i was able to establish a member number but Im not able to do anything else and I have sent in my father 's XXXX as requested.

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 12/19/2017 about Checking or savings account (Other banking product or service) with HUNTINGTON NATIONAL BANK, THE (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello- The is regards to a wire transfer sent from my account at Huntington Bank XXXX On XXXX/XXXX/XXXX I initiated a wire to XXXX XXXX XXXX via XXXX XXXX XXXX. I received a phone call on XXXX/XXXX/XXXX advising me as follows. I have a recorded transcription of this as well. " This is XXXX from Huntington bank and I am calling about the wire on the XXXX for {$2400.00} this wire was going to XXXX to XXXX XXXX XXXX they are unable to apply these funds stating that the beneficiary name is incorrect. we are requesting these funds be returned to us, if you have any questions please call us at XXXX reference # XXXX " I called on XXXX/XXXX/XXXX and was advised that the beneficiary did not receive the funds and would NOT receive the funds as a recall had been initiated. I subsequently initiated a wire in the same amount of {$2400.00} on XXXX/XXXX/XXXX under the auspice that my original funds had not been received by our vendor. 

I was advised to call back in a week and check if the funds from the 1st wire had been credited back. When I called back I was advised that the funds from the first wire had not been credited to the XXXX XXXX XXXX, and that Huntington was waiting on XXXX XXXX and XXXX XXXX XXXX to return the funds. I was advised that this process can take up to 30 days. 

I continued to call in weekly and check the status of the {$2400.00} from my original wire that Huntington repeatedly advised me was not received by the beneficiary. And was told the same thing each time. Nothing to worry about. Recording of all these phone calls should be available. 

Finally on XXXX/XXXX/XXXX I received a phone call from Huntington bank, XXXX in the wire transfer department. in regards to the recall request that was sent on XXXX/XXXX/XXXX. There is a denial from XXXX XXXX XXXX to return the money. And we are considering this case closed. Please contact the beneficiary for any further information. reference # XXXX I am requesting my original wire of {$2400.00} be credited to my account immediately by Huntington Bank. I was repeatedly advised throughout the process that the money would be coming back to me and the beneficiary never received the money only to be told 30 DAYS later that the beneficiary in fact received both wires and was refusing to return them. 

The communication breakdown in the wire system with Huntington Bank is unacceptable and fraudulent. They repeatedly advised me no further action was necessary and " not to worry '' all while the stood idlely by doing nothing to recall the original funds. There wire process and wire department needs to be investigated throughly so this does not happen to customers in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is filed against : First Horizon Home Loans, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and their representativesThere are clear violations of TILA, FDCPA, RESPA, Consumer Fraud, Mortgage Fraud, Mortgage Servicing Fraud, unfair, deceptive, abusive and bad faith acts and practices. I could only select one option below, even though there are multiple deficiencies, violations, predatory lending, fraud and lack of standing. In XXXX 2007, we refinanced our home at XXXX XXXX XXXX - XXXX NJ XXXX with First Horizon Home Loans. We were told of a lower interest rate that changed at the time of closing. We had a VA loan at 5.75 % the bank took advantage knowing we were refinancing trying to eliminate debt. We were strung along for years being promised a loan modification and forced to resubmit multiple loan mod applications. We were deceived to believe we would get a loan mod and were never put on a trial period even though we appointed and were working with a HUD certified counseling agency the bank refused to communicate with them. While they were proceeding with the foreclosure behind our backs. We also discovered the process server fraudulently claimed he had served my wife XXXX XXXX " a XXXX woman '' when in fact my wife is XXXX and was never served. There was confusion and they did not give clear answer to who had the Note, whom was the servicer, whom was the lender, whom was the bank. They used fear tactics, gave unclear answers and tormented us telling us we would be thrown out of the house by the Sheriff on several occasions. I finally realized their Fraud and Bad Faith, I filed consumer complaints against them with several Federal & State agencies they retaliated by denying the loan modification and expedited the sale of my property at sheriff sale within 3 months. During the XXXX months they issued multiple " stay of sheriff sale '' and failed to give us proper notice with an intent to confuse, torment and cause us to use our XXXX " 2 weeks stay of sheriff sale.

Company response to consumer: Closed with explanation