milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX sent loan discharge information to close out my XXXX Loan account with XXXX University to Transunion Credit reporting bureau. Transunion keeps insisting they do n't have discharge information. I have spoken with both XXXX and Transunion on several occasions and XXXX insist information was sent to Transunion. Need help in resolving this dilemma. I file a dispute with Transunion no response to this correction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XXXX/XXXX/XXXX I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: My maturity date was in XXXX 2017 - In theory, I should be done with the car loan. I want to dispute the amount of {$4800.00} as to what my account states.When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily. I do not feel I owe GM Financial the US {$4800.00}. I do believe I ONLY owe US {$2500.00}. I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US {$41000.00} and an exception cant be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a deferment. I never received any writing explanation on how the processes worked. If I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment.f. I have called GMF numerous of times, I have also reported them to the BBB. I have called and left messages for the supervisor I have also sent complaints via the GM financial website on various occasion and as of today I have not heard from anyone at GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I reviewed my Transunion credit report and it is reflecting an account from XXXX XXXX with late payments. I have contacted XXXX XXXX and they confirmed I never had any missed payments and that my account was always in good standing until it was paid in full.

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 12/23/2017 about Debt collection (Other debt) with NRA Group, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX # XXXX DISPUTED This agency never contacted me before placing this on my credit report. I found out about this because my credit score shot down 62 points, so I went to check my credit report that 's how I found out. I received no phone calls and no notices what so ever. 

I call this agency and explained to them that this was never my account on XXXX,17. I  also called XXXX, on that same day, I was connected to the financing services department she looked in my account and stated that in my account it says all previous balances paid in full. She then connected me to the credit recovery department and they stated that it was nothing they could do about it, because XXXX, had already sold it to a third party. The Representative then said that they could not send out a notice stating that the account was paid in full, because it was something still on the account. 

She told me that I could call the third-party and asked them to send the file back, so they could investigate why it was sold. She said Because at this time she cant see anything in the file because the third-party has that information. 

I called XXXX XXXX XXXX, back and explain to them what XXXX, representative had said. They told me that they have no more information, other than what XXXX gave them which is : my name address, Social Security number and how much I owed. And then said, what they would do is contact XXXX, and tell them the file in question, has been disputed and that would give XXXX more time to find out what happened, meanwhile after the results from XXXX, from my complaint nothing has changed they claim they had verifiable information I find that strange, being that I have not received any verifiable information as yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The complaint is about how DITECH Mortgage Servicing has mishandled the Homeowner 's Escrow account with regard to Homeowner 's Insurance. 
The homeowner 's insurance provider XXXX XXXX informed homeowners that they were exiting all personal coverage lines ( homeowners, auto, life, etc. ). The homeowners CANCELLED coverage with XXXX XXXX and ESTABLISHED coverage with XXXX XXXX. DITECH continued to pay premiums from escrow to XXXX XXXX. DITECH also began paying premiums from escrow to XXXX XXXX. Homeowners were UNAWARE that XXXX XXXX had failed to actually CANCEL the coverage as requested by Homeowners. Homeowners were furthermore UNAWARE that DITECH was DOUBLE-PAYING. Why would they be aware? DITECH is entrusted with escrow so as to service and monitor such things. If Homeowners had been handling their own premium payment this mistake would not have happened. DITECH made the mistake, not the Homeowner. 
NOW that the Homeowners have been made aware of the situation by DITECH, the Homeowners have rectified it in a timely and efficient manner. HOWEVER, DITECH is going to assess the Homeowner a LATE FEE?? AND it will reflected on the HOMEOWNERS ' CREDIT REPORT?? This is patently unfair and is just the kind of activity the CFPC, FTC, and the GA XXXX will want to hear about. It is in the same league as the recent XXXX XXXX case that is in the news this week. If DITECH is this careless with this Homeowner 's account, it probably is with others. DITECH, not the XXXX, made the escrow mistake. DITECH has been asked to CANCEL and REVOKE any and all late fees associated with DITECH 'S mistake - but they refuse. 
All the Homeowners want is for none of this to appear as a negative ding on any credit report and for the late fees to be revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX is reporting five student loans on my Transunion and XXXX as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with Transunion and XXXX, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my 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 explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with Credit Consulting Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was paying a debt that I owed and entered into a payment arrangement with the collection agency. and when the debt was settled they continued to charge my debit card and collect the arranged amount. after the second time they collected this amount from me I received a letter stating the debt has been satisfied .it was satisfied XX/XX/XXXX but there was an overpayment XX/XX/XXXX and they collected again XX/XX/XXXX .when I received a letter stating they were going to charge my account again XX/XX/XXXX. I called them and it was then she told me they were now collecting for another debt. that I knew nothing about. I have never received notice of this debt. or any statement for this new debt. so I asked for them to refund the money that they took from me but she said they would not refund it even though I disputed the debt. to me this is criminal and should be treated as theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Federal student loan) with ConServe (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX  ,201  4- $  XXXX - ask   Midland Funding to remove this off  my credit report because this account is past 7 years and no one call me,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I mailed a correspondence to XXXX XXXX XXXX due to the fact that XXXX XXXX XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX XXXX XXXX on XX/XX/XXXX per USPS tracking number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX XXXX XXXX XXXX per the return receipt received by me ( XXXX XXXX ). The reason for this correspondence was to have XXXXXXXX XXXX XXXXXXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXXXXXX XXXX XXXX for a response ; it is well past 30 days with no response from XXXX XXXX XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX XXXX XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as  of XX/XX/XXXX well after receiving my correspondence, so XXXX XXXX XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX XXXX XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (WA).
Issue: Wrong amount charged or received

Complaint: Called to inquire about sending a Western Union money transfer and explained to the agent that I needed to send money to a relative affected by XXXX XXXX in XXXX Tx. Inquiry about fees to send and he did n't mention that a Special code of " Help Texas " could have been applied!! Was told I would find out the fees once I submitted the amount of money to be sent! Very disappointed that I was n't informed since this was my first time sending a money transfer online ... 
Agent replied the only way to get my fees refunded would be to re-do the transaction which I had no more time to complete due to a medical appointment!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Problems when you are unable to pay

Complaint: I purchased a car through Santander Bank and the car was refinanced through XXXX and paid it off early 2 years early. But this is still being reported on my credit report. I have requested that it be removed multiple times but it has n't it. 
I was no longer under the agreement as I paid XXXX of XXXX XXXX. 
I would like assistance with getting this removed off my XXXX credit reports. This has been pai paid off for 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection company has placed a collection account on my credit file which the original creditor is XXXX I have not done business with XXXX in a long time 8-10 years ago. There is no way this is accurate please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/29/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WV).
Issue: Adding money

Complaint: My payroll is advertised to be deposited up to two days early. My employer submitted my funds to RushCard yesterday. They advertise when you call on the automated system that they post funds immediately when funds are released to them. I called customer service to ask why my deposit is late as it shows by XXXX each pay date. I spoke with a rep at XXXX. to ask why it was late and she responded she does n't know why I would be worried my money was missing. I asked for a supervisor immediately and she would not transfer me. I asked for another rep and she hung up on me. Now im worried because this happened before and my hard earned paycheck is missing and I have been hung up on by the company who I trusted my money with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient keeps reporting incorrect information to the credit bureaus regarding my accounts, they are adding balances and subtracting balances and reporting incorrect late payments.This is adversely affecting my credit scores! I am in the middle of obtaining financing for a home for me and my children and their frequent updates are detrimental to this process. I have not received notice that I was out of forbearance during the times that the late payments were added to my credit reports. I have disputed with all 3 credit bureaus and Navient. I respectively ask that the lates reported from X/2013-X/2013 be removed immediately and set to current. I contacted Navient about the incorrect reporting and my loans were placed back in forbearance. Also, I want all loans older than 5 years removed off all 3 credit reports, as that is more than the statute of limitations for my state ( FL ). I need this done ASAP, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife bought a time share at XXXX XXXX in XXXX, VA. The property became run down under the original management company and an XXXX XXXX was formed to take over management responsibilities. In XXXX the XXXX XXXX XXXX did an inventory of the property and determined that time share owners would have to provide over {$1000.00} in a XXXX to renovate the property to a minimum standard, On Auguest XXXX, XXXX my wife and I paid this XXXX with an elecronic check drawn on my wife 's account at her XXXX XXXX. The amount that we paid was discounted because we paid early and in full. On XXXX XXXX, XXXX, three mongths after making the XXXX payment in full and clearing the Deed of the time share of all encumbrances, my wife deeded the time share to me through a Deed of Gift. 

Several months ago in XXXX I began receiving telephone calls and letters from XXXX XXXX XXXX XXXX XXXX in XXXX, NC demanding {$1100.00} for an alleged debt to XXXX XXXX XXXX XXXX. After several attempts to discover the nature of this alleged debt, I understood that the XXXX XXXX claimed that I had n't paid the XXXX. I tried phoning the XXXX XXXX over a dozen times to find out if they had mis-applied my payment as they had done in the past or if there were some other clerical error. They never answered their phone. I left voice mail messages identifying myself and asking that they phone me back. They never returned any of my calls even though I am a member of the XXXX. XXXX refused to answer questions about the validity of the debt and just asked if I was going to pay by check or credit card. 

After sever harrassing phone calls, I managed to have XXXX agree to stop calling until I provided a copy of the cancelled check. After several atteempts to provide a copy of the front and back of the cancelled check and XXXX claiming that they never received it, I mailed a copy of the check to them and considered the matter closed. 

A few weeks later I received another letter from XXXX demanding payment in full of the {$1100.00}, I was perplexed to say the least. 

After several more harrassing phone calls, I discovered that the XXXX XXXX XXXX XXXX was attempting to collect TWICE for the same debt : once from my wife, which was paid in XXXX XXXX, and once from me, claiming that these were separate accounts for the same timeshare. This is tantamount to fraud : they are attempting to collect the same debt twice even though it had been paid in full. If this practice is legal, someone should make it illegal ; it is certainly immoral.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation