milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!

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 (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX of XXXX, I spoke to an employee of FedLoan to try and get a better repayment plan. They offered to have me apply for an Income Contingent Plan, and I accepted. I was accepted for the plan, but the employee told me that a requirement of the plan was to sign up for ACH Payment ( automatic withdrawl from my bank account ). She transferred me to another person, who signed me up for this service. I did n't learn until months later that I had n't signed up for ACH through FedLoan, but with a third party called the XXXX. Even learning this, I did n't know that it was n't a requirement of the plan, and that the employee had lied to me. This ACH withdrawl came with a service fee, that I learned was actually just paying XXXX for their services. Again, at the time I was under the impression that this was a requirement for the Income Contingent Plan. Today, the first of XX/XX/XXXX, I called to make adjustments to my payment plan with FedLoan, and the employee today informed me that I never should have been required to sign up for a third party, or for ACH through that Income Contingent Plan. Over the last three years, I wasted over {$1000.00} paying this third party for services that I was not actually required to have. All because FedLoan 's employee in XXXX of XXXX told me it was required to sign up. I did n't know until today that I am not required for any reason to sign up with a third party or be charged service fees when paying back a federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (MD).
Issue: Managing the loan or lease

Complaint: In XXXX 2014, based on XXXX reporting, I received a 30-day late on my monthly loan amount of {$620.00} which was due on the XXXX of every month. At the time, my payments were being managed under the agreement of my debt collection company XXXX XXXX XXXX, who was responsible for drawing money out of my personal bank account and making payments directly to my creditors. 

On XXXX XXXX, 2014, XXXX XXXX XXXX transmitted a {$620.00} payment towards my Discover Personal Loan debt. The payment was to be deemed 30-days late on XXXX XXXX. XXXX XXXX XXXX made the payment on the XXXX and Discover Loans did not recognize or process it until XXXX XXXX. When this happened, they deemed the payment as 30-days late even though it was transmitted to them on the XXXX. 

After receiving the 30-day late on my credit report, both myself and XXXX did a XXXX call to try to resolve the matter but the Discover supervisor would not work with us at all. I have since paid off this {$25000.00} loan and I had never received a 30 day late accept for this XXXX and I feel that Discover had some error in it as their system did not recognize the payment until later than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a phone call from XXXX lady said she was from apex and I was to call XXXX XXXX XXXX I called spoke to XXXX XXXX He said he was from a litigation group in XXXX XXXX XXXX said I gave him the collection number I was given XXXX said that he was trying to collect from a debt XX/XX/XXXX from Providian Credit cards Said was written off XX/XX/XXXX. This was well over the 4 year Statue of Limitation in XXXX. I told him that I did not know anything about this and that he needed to send me any information in the mail certified. He also said that he was going to sue me in court regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Contacted them through mail. They have a fraudulent amount on my XXXX XXXX and XXXX. The balance owed was {$8200.00} and when I started disputing the information the cost went up on my report to {$12000.00}. They said my monthly payments was {$490.00} and they were {$560.00} a month. They have removed the collection from my XXXX report but not XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Student loan (Private student loan) with GREAT LAKES (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was enrolled in a Private student loan with My Great Lakes. They have failed to give us relevant information regarding interest rates and repayment options and should be considered as corrupt and fraudulent actions against us. They have taken advantage of us with each payment paid and lack of customer service support. On many attempt I have called and made payments designated to a specific loan yet it was assigned to another loan instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXXI applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. On XX/XX/XXXX I contacted XXXX XXXX and informed the bank that my credit report with Transunion had been acquired after speaking directly with Transunion. I requested that XXXX XXXX withdraw my application. On XX/XX/XXXXI went to a local XXXX XXXX branch and spoke with a banking officer who contacted XXXX XXXX XXXXs underwriting department regarding several hard pull inquiries on my Transunion credit report by XXXX XXXX. On XX/XX/XXXX I applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. I contacted Transunion who indicated they XXXX XXXX was in fact provided my full Transunion credit report resulting in hard pull inquiries onXX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in conjunction with these two credit card applications. Transunion stated that I would have to dispute the information directly with XXXX XXXX ; however, XXXX XXXX stated that I would have to initiate a dispute with Transunion. Unfortunately, Transunion does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with XXXX XXXX and Transunion to no avail.

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 03/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: Santander  consumer is still reporting on my credit report as late payment and reposseion, my car was totaled out and the insurance company aid it off it was never reported

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: This is my XXXX complaint on a different subject. Citi Mortgage agreed to a short sale on our home and even told our real-estate company the price to ask for the home. We have had offers above and beyond the set price but Citi mortgage at XXXX declined the offers and now they tell us they never said they agree to a short sale and have no idea what we are talking about, even though they told us and our real-estate company XXXX that they agreed ( And gave our broker the price needed ) many times, and now they have changed their minds and will go ahead and foreclose. This is at least the XXXX time we have caught them in lies. Another thing that happen after my XXXX complaint was they called us and chew both my wife and myself out for reporting them to you. They were so rude that I had to hang the phone up on them before I said something I should not. It was very degrading the way they spoke to us.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I was unemployed and missed two payments with this bank on each of my three cards through XXXX XXXX. I made payment arrangements with them for each card. The agreement with them as they stated would also remove any and all associated late fees and added interest for the balance of the cards at the time I scheduled the payment plans for each card as long as each payment was paid as agreed. After the first payments things were paid as my agreement, however payments were never reflected through reporting agencies or balance on cards. I noticed that payments were setup on a temporary account for my first payments on the payment plans. I called in to correct the account to make the withdraw of my next two payments and was told I was all set. Next payment that they tried to withdraw was not processed because they still had n't updated it as requested over the phone and in confirmation from the CS representative. So now all three accounts are even further past due, more collective interest and I 'm over my balances because of all their accumulation of charges NOT MY PURCHASES! This is vastly affecting my ability to get my good credit back and rendering me seemingly helpless getting a better position for work due to my obliterated credit score. This has been going on for weeks and I do n't trust making another payment, updating my information and wasting money that will never apply.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Credit card) with Alliance Data Card Services (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A GUY NAMED XXXX XXXX CALLED MY CELLPHONE AND THEN CALLED ME HERE AT WORK. HE SAID THAT VICTORIA SECRET A CREDIT CARD THAT I HAD IN 2014 HAD FILED A LAWSUIT ON ME FOR THE DEBT AND I ACTUALLY FILED BANKRUPTCY ON THE DEBT. HE STARTED HOLLERING AT ME AND THREATING ME SAYING HE WAS GOING TO HAVE ME FIRED AND ARRESTED AND HE WAS HAVING THE POLICE COME TO MY WORKPLACE TO SERVE ME COURT PAPERS. I TOLD HIM I WASNT SIGNING ANYTHING BECAUSE I HAD FILED BANKRUPTCY ON THE DEBT. THEN HE STARTING THREATING ME AGAIN AND HOLLERING SO I HUNG UP ON HIM.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting two accounts for student loans with a company called XXXX ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2017 about Debt collection (Credit card) with Convergys (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am working with an attorney to file for bankruptcy . Encore Receivable Management  (  XXXX  ) keeps calling me, and will not stop calling me. They start calling me at  XXXX  and call me every hour on the hour throughout the day. Then they start the next day at  XXXX  and call me every hour on the hour throughout the day. This has been going on for more than a month now. I can not do anything about it. I have asked them not to call but they keep calling anyway. It is totally ridiculous. Please help me stop their calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have requested the credit bureau to remove all derogatory credit reporting in reference to student loans that had been intiated by XXXX online division. I have made this request based on the federal lawsuit that has been filed against XXXX parent company XXXX. The lawsuit accuses the school of fraud. I submitted the court case to the credit bureau and have requested XXXX provide all supporting documents such as promissary notes. XXXX has neglect to do so and all XXXX credit reporting agencies investgated this as identity theft. This os a deliberate misrepresentation of my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. 
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.

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 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Checked my credit report after filing complaint with CFPB on XXXX. Was finally able to get access to the dispute forms and the XXXX XXXX account scheduled for deletion XX/XX/XXXX2017 was still on record. After already registering with my report number, name and social security and placing the dispute in the " dispute cart '', when I attempted to upload as instructed, I was taken to another form which requested the same ( and more ) information which was already a matter of record in order to get access to the report in the first place. Screenshots attached. Designed to discourage?

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 11/29/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: So, during college we were always fed this dream that we would make enough to make affordable payments plus our living expense 's. I really tried hard at school and graduated although I had a XXXX. I 'm happy to say that I also work for the XXXX but it happened by a freak accident through a other company I was working for was bought by the XXXX. So, the first payment I maid in XX/XX/XXXX or XX/XX/XXXX was because of my taxes XXXX. As we got further into my job I noticed thing were not what they seemed due to payment I could not afford it at all. We are talking XXXX to the XXXX range including my rent, car, utilities and necessities had a XXXX and his sick father that I was taking care of do to XXXX and still do it. I 'm basically homeless living with my parent do to debt and my son fathers illness making XXXX an hour going on 4 years and started at XXXX an hour you do the math. Trying to stay together. I 've been putting holds on my account now since I knew there was no way of paying at this rate. I thought the XXXX was supposed to take me places ... not this way can not make it. They will not make lower payments at all I have tried. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX year old XXXX XXXX XXXX, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My XXXX is very poor and my future is bleak! 

I have received a communication from Convergent Outsourcing Inc. telling me that I owe {$6700.00} from XXXX through XXXX, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I was 14 days late on my payment due to being in the XXXX and unauthorized charges on my bank account. I notified Westlake Financial of the issues. I made my payment on XX/XX/17 the XXXX day and then next morning when I went to get into my car it was gone. The police told me it had been repossessed but the Finance Company (  Westlake Financial - XXXX - XXXX ) said they had not issued a repo order on my car but that the loan is under review and they might not continue on the loan. The dealer where I purchased the car ( XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX started sending me threatening text messages and calling my references telling them that he was checking to see if I was dead or alive. I have my receipt. I also found that Westlake Financial is not registered with the XXXX XXXX of XXXX to do business in TN, they applied but was not granted a business entity number.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously disputed this debt with ICS SYSTEMS o n   XXXX   XXXX    2017  via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now  XXXX  which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA 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