milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with Barrett Asset Recovery Services, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving emails and phone calls stating they want to talk with me or my attorney. I spoke with XXXX representative and she stated it was for a pay day loan. I have never taken out a payday loan. They have called all my family members and when I ask for anything in writing they state they can only email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have called several times to  XXXX , Experian, and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX , Experian, and   XXXX   all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

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 05-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a co-signer on my daughters  XXXX  student loans.   She is an unemployed   XXXX   XXXX  r. I am out on a   XXXX   leave so I do not have a income. I have filed for bankruptcy.   I am harassed consistently by calls and mail stating  XXXX  will help with a payment plan ... but they request months worth of checking acct. statements, months of paycheck stubs and other private information. They even check my credit report with out my authorization.   The worst is on  XXXX   XXXX ,   XXXX    XXXX   XXXX  @  XXXX   XXXX  called a real state agent we WERE trying to sell a home through. The home is in Foreclosure. Can they do that!! Call and harass a realtor for my personnel info??

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: After my graduation, I was notified by XXXX XXXX XXXX for student loans. However, as XXXX takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Excessive fees

Complaint: I paid off a old dept that was suppose to off of my credit and its still on there.      XX/XX/17 -Paid {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a best buy credit card. In XX/XX/XXXX i went to a best buy store in XXXX New York to buy a phone i got a phone for XXXX plus fee =XXXX i was told i need to spend over 400 dollar to get 12 months no interest. After two day the cell phone stop working ( the phone screen went blank ) i called the store. I was told to turn the cell phone off ten wait a few minutes to turn the phone back on. A few days later i had the same problem, i tries to return the cell phone and the store would not take it back. I called the credit card company and nothing was done. I open dispute with the credit card company three times and nothing has been done about this matter. Today i spoke to a customer service worker at best buy and i was told to call the company that made the phone. I did and i was told there is nothing they can do. I would appreciate your help, i had this cell phone for less than one week, i do not think i should be responsible to pay for this item. The store had 15 days grace period to return the phone, and i tried to return the phone before the 15 days and yet the credit card company do not want to refund the XXXX back to my account. I am currently in company, and i do not have that money. Thank you for your time and understanding.

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 10/24/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had a private student loan with your company since XX/XX/XXXX and for 7 years, never had a late payment. I recently discovered that I had a 30 day late mark for my XX/XX/XXXX payment. I also received a collection notice from XXXX XXXX for the entire balance of my loan. My mother has had these payments for this particular loan since it originated and from what I understand, the loan was on autopay. My mother, XXXX XXXX XXXX, was able to get the balance on the co-signed loan up to date in XX/XX/XXXX but not without consequence. My mother 's and my credit report and score suffered significant damage from this negative remark due to the late payment. 
What I am asking of your company is to consider our prior history of on time payments and remove the negative remark on both of our reports across each of the three major credit bureaus ( XXXX, XXXX and XXXX ). My credit score dropped about XXXX points and I make it a point to ensure my payments on time. Part of my good faith effort to reconcile this issue is to update my contact with our company so I may be able to monitor this account more closely in case my mother is not able to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  has failed to provide or ma il Proof of Contract or Documents with my signature for t he alleged item in dispute. Also, the balance is incorrect. Please Delete and Remove the alleged item, which is causing emotional stress and mental stress. I have attached documents for your review showing the correct balance. Thanks ...

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I always pay at least {$100.00} more than my interest payment monthly and for the past year my balance has stayed the same. I think I 'm getting ripped off, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Got a full time job in XXXX XXXX. Graduated in XXXX XXXX. Suddenly in XXXX XXXX, my payments increased from about {$200.00} a month to over {$700.00}. Tried to apply for a different repayment plan so that I can afford to live, but they told me I ca n't since my dad is a cosigner ( who definitely will not be making payments for me ). Operator then misled me into a Forbearance agreement so I could get a reprieve for XXXX payment. Also said I ca n't try and remove my dad as a cosigner so I can get a new repayment plan. When checking online, is shows me that I ca n't remove a cosigner if I 've been given Forbearance in the past 12 months. Now I 'm stuck paying over {$700.00} a month by myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After looking over a copy of my credit report i notice that there were a few inaccurate things being reported under my social security number. i tried disputing these items on the credit bureaus website and each time i go to submit it keeps locking me out making it difficult for me to dispute.

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 11/14/2016 about Debt collection (Federal student loan) with National Collection Systems, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: CALLED EMPLOYER AND TOLD THAT I OWED BAD DEBT TO THEM AND THAT THEY WOULD CALL BACK LATER WHEN I WAS BACK IN THE OFFICE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have federal student loans from Utah Higher Education Authority ( UHEAA ), which I am making monthly payments of principal and interest of {$420.00} on the XXXX of every month. I made an additional payment of {$10000.00} on XXXX XXXX, 2016. It is my understanding that XXXX percent of that {$10000.00} should go towards the principal of the loan, since it is an extra payment on top of my regularly scheduled monthly payments. This is also what UHEAA representatives have told me on numerous occasions. However, XXXX applied {$21.00} of my payment towards interest for the four days of interest that accrued from my normal payment date of the XXXX to the XXXX. They did not apply XXXX percent of my payment towards the principal of the loans. When I spoke with XXXX, a manager at UHEAA, she confirmed this was their policy and their system automatically applies any payment first towards any interest due and the remainder to principal. I would like {$21.00} credited towards the principal of my 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 01/26/2017 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I disputed information with the company in XX/XX/XXXX due to services rendered I did not agree to have performed. This has been in dispute for awhile and has not negatively affected my credit in a long time and I have good credit. I was attempting to clear this up on XX/XX/XXXX when a lady answered. I asked them about sttling and they said no in a very angrily voice. They asked me for my current address which I did not feel comfortable giving out. They told me very rudely, you will never be able to get a loan or fix your credit with this on there and then they hung up on me. I was going to pay regardless, but the lady would n't even give me the time to do that. I called back and spoke to someone else who was nicer and she said the same things to me about this is going to negatively affect me and ill never be able to get a loan. They also said they tried sending me letters which I never received. I had my mail forwarded to my new address and did not receive anything. They never tried calling me either and I have the same number I 've had for years. They tried telling me about Florida law and mailing medical bills to which I continued to ask if I can just pay the bill already so I did n't have to be berated anymore. I paid the bill total of XXXX. I would like to make sure I receive something in writing stating my debt has been paid in full and the dispute status has been removed. I did not give them my address at the time due to all of this and they told me they could n't email me either. After all of this I started to second guess why I paid this as i felt my credit was threatened and things would not go the way they said.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have potentially been impacted by the hack that took place in XXXX to XXXX of 2017 on Equifax, the credit reporting bureau. I 've not seen anything that indicates ( yet ) that my information has been used, but the information is potentially out there because of Equifax not securing my data. My biggest concern about this is the fact that Equifax knew about this potentially in XXXX and did nothing to let consumers know.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have called disputed the information with all credit bureaus through telephone and through their dispute process. they still are showing incorrect information. XXXX sent me the correct information but Equifax in their response to the complaint said that the creditor verified the information. I am attaching that information along with the withdrawals from my bank account when the mortgages were paid. XXXX was deducted on XX/XX/XXXX, paid on XX/XX/XXXX because XXXX lied and said I input my bank information in wrong and on XX/XX/XXXX, paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Student loan (Non-federal student loan) with Clarfield, Okon, Salomone and Pincus, P.L. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was unemployed in 2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX XXXX XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan. This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding that XXXX XXXX XXXX, XXXX XXXX XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX XXXX XXXX that my loan defaulted and not any fault of my own. I have made multiple attempts to try and get this situation resolved ; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX XXXX XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer 's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (VA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I sold Test Voucher on XXXX The Voucher have expiration dates and the buyer was aware of it. 
The Buyer was supposed to used the voucher before XX/XX/XXXX on XX/XX/XXXX the buyer filed frivolous claim with XXXX and XXXX dismissed his claim. 
The buyer turn around and filed another claims with PayPal and PayPal refund the money without considering the facts. 
The transaction happened on XXXX and decide the case in my favor because they know the buyer was filing fraudulent claims. 
PayPal turn around and demand from me ridicules proof. 
PayPal intentionally ignored me and robbed me when they are aware that the buyer was not honest. 
The buyer claims with XXXX was not the same claim that he filed with PayPal. 
the buyer switch his story everytime and paypal refused to look into the facts that the buyer story is different every time and that the buyer did items was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This past week XXXX dealership I went to purchase a car submitted my credit report without my approval to some banks. I only authorized them to contact XXXX and they took it upon themselves to try to get me approved at another dealership. By law I have a right to chose what bank I want to do business with. 

These inquiries listed below should be deleted ASAP. I may also sue the company who had these pulled. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint against Transunion because they failed to provide me with the documentation they have on file to verify the inaccurate accounts I have disputed. Being that the 30 day period for them to verify and validate the accounts have expired it should be deleted by default. Under the FCRA Section 611 ( 5 ) ( A ) - anything that ca n't be verified should promptly be 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 07-08-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
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: OCWEN Loan servicing extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on XXXX in XX/XX/XXXX. XXXX balance. Not XXXX. OCWEN never provided an Origional mortgage document because the loan was Purchased from XXXX XXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My XXXX NO LONGER even shows my OCWEN half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XX/XX/XXXX and XX/XX/XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON OCWEN TO STEAL FROM ME!!!

Company response to consumer: Closed with explanation