milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Theres wrong information on my credit reports from way back almost 2014. Wrong telephone numbers and wrong address included. This info has been targeted in more than 2 ocassions and stills appears.

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 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have found several errors on my credit report via Trans Union. I asked Trans Union to investigate, but they have refused, stating it was my responsibility. 

I forwarded to Trans Union a copy of the Fair Credit Reporting Act Fact Sheet stating that is was their responsibility, and asked them to do so. To date they never responded. 

These regard XXXX inquires made to my account. Neither of which are mine, as I have not applied for credit in approximately 1.5 years. To date, there is only XXXX inquiry which I authorized in the last XXXX years, yet inquires keep appearing on my account. I have credit tracking through Trans Union so I know when a new inquiry is logged. XXXX recently came up even though I have not applied for any credit. 

I have informed TransUnion that I believe these to be fraudulent and I wanted them investigated. They have not responded. 

I would request the FTC / CSPB t0 please enforce the FCRA and have Trans Union remove these inquires as it has been well over 30 days since I made the inquires and they have not provided any documentation that they are mine and they are negatively effecting my credit.

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 11/24/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Delinquent account

Complaint: I lost my credit card back in XXXX XXXX, 2015 and now there is a balance of $ XXXX and I would like to file dispute and cleaned up all the charges not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I did not receive the XXXX-month grace period, after talking with Nelnet, they counted my XXXX-month grace period in chunks during summer semesters that I was n't enrolled. I was under the impression that it was XXXX months after you GRADUATE, not during your summer breaks. I took classes during XXXX summer semesters, but not during every summer. By the time I was notified that my payment was overdue, I had thousands of dollars in interest that had accumulated the entire time I was in school. YEARS of interest while at the same time they were telling me I did n't need to make a payment because I was enrolled in college. It makes no sense. My loans are all broken up with letters of the alphabet, 2 As, 2 Bs, then letters C-G. I 've paid off C, but it cost me {$900.00} for a {$200.00} initial loan. Right now I 'm focusing on the higher interest loans, but after my payments so far, I owe XXXX on my Group D which was for XXXX. Ridiculous. I was getting a mortgage when I found out that my XXXX month grace period was over years ago, I called Nelnet, they had me mixed up with a different person. So they sent me an entire loan information package, all in XXXX, with student loans belonging to someone else. I called back, and they could n't tell me how much I owe, or how long the payments would go on for. 
Right now I 'm trying to pay them off as fast as I can, and I send extra every month. XXXX of my loan groups I do n't technically owe a payment on until XXXX of 2018. I pay every group. And then pay extra on certain accounts, and now I 'm sitting with an email from them saying I 'm {$5.00} short, and that {$5.00} payment is overdue. HOW? I do n't see it anywhere. I never pay less. It makes no sense. But it feels like they are just milking me for every dollar they can get. It 's ridiculous. 
I have a XXXX kids with a XXXX on the way, I was working while in school, the last thing on my mind was babysitting Nelnet when they made the terms of the loan very simple with the grace period and repayment arrangement. They are taking advantage of students, and I do n't think it 's right, fair, legal or just. 
I attended XXXX, as well as XXXX. 
Thanks-

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started a XXXX in XXXX ( XXXX ) I had to apply through the school to get a XXXX now Navient private loan in order to attend. I added my mother and stepfathers information online as cosigners at the time. Due to a medical situation I had I was forced to leave school and needed XXXX. In XXXX my home went into forclosure went through a divorce, my mother ( co signer was let go from her job ) had her assets repossessed lost part of property and now she is collecting social security. The XXXX school closed in XXXX. I have been going through financial hardship with my XXXX children since. I have however contacted XXXX/Navient several times to make arrangements so I am not digging myself further into debt and not late. I was place on a rate reduction program which was difficult for me but has worked I submitted each payment on time every month. The rate reduction plan is good for 12 months after that time is up my payments and rate increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what help or programs are available to me. In XXXX Navient approved a rate reduction at 5 % then with in the same week denied a me stating I should be able to afford my rate with my co signer.I have all my medical and financial documentation I am asking to lower my rate so I can afford to pay this loan off I have made every attempt to try and have successfully made payments on time I do not understand why any company would make it so difficult to help someone willing to pay there loan. I do not know what options I have and no one is willing to guide me in the direction I need to take care of this matter. My family and my situation has changed drastically since I received this loan going back to the school is not a option since they have closed. I am requesting help at this point I just need to know what to do so I do not put my family in any more financial distress.

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

Complaint: Equifax mishandled and failed to protect my personal information, and failed to disclose when that information was compromised. I now learn on social media that my identity may have been stolen months ago, and I am left with the responsibility of monitoring my credit report closely and constantly, managing freezes and fraud alerts, and disputing fraudulent activity. As all of the information that the credit reporting system uses to identify me has been compromised, it seems as though I will be doing this for the rest of my life. This is an unfair burden placed on me by a company I never chose to do business with, and their handling of the breach ( which so far has been to do nothing, not even notifying people effected ) is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Other

Complaint: I am being constantly being harassment by Walmart on my XXXX credit card account. I need to report this to you to quit being harassed by them for payment since have already made arrangements with them to pay on my Walmart credit card account. Thank you for looking into this harassment charge against Walmart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened the  XXXX   XXXX   XXXX  card in  XXXX   2017 . It came with a  XXXX    XXXX   points bonus for spending {$4000.00} in the first 3 months. I fulfilled this requirement in the first 30 days. The bonus points posted to a different   XXXX   account which was no t mine. American Express ign ored the   XXXX   account specified on my application and substituted it with a different number. I have contacte d American Express by  phone and spent cumulatively hours dealing with this, each time they assure me the problem will be corrected over the next business day  or two a nd it never gets fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Taking out the loan or lease

Complaint: When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. 
Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. 
I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. 
We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.

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. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX was suppose to remove over 13 inquiries from my credit report. Instead they added over 23 inquiries to my report that are unknown, and should n't appear. Specifically. XXXX XXXX with dates XX/XX/XXXX. XXXX XXXX with dates of XX/XX/XXXX XXXX XXXX was n't given permission to run my credit on XX/XX/XXXXXXXX XXXX XXXX for on XX/XX/XXXXunknown. XXXX onXX/XX/XXXX unknown. XXXX onXX/XX/XXXX and onXX/XX/XXXXwas n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX
These inquiries appear on all three bureaus : XXXX XXXX, and Experian.
Please have these unauthorized inquiries removed immediately.

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 09-03-2015 about Credit card () with PAYPAL HOLDINGS INC. (NV).
Issue: Privacy

Complaint: I logged into PayPal to pay a fee and they enrolled me in a payPal Credit account without my permission! And they used my old name which has not been used in years ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit report.

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 06/16/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (SD).
Issue: Struggling to pay mortgage

Complaint: In  XXXX , I repeatedly asked for a bill so that I can get caught up on payments of my mortgage fr om Fay Servicing in voicemails and also by talking to different representatives. At one point, I w as told that I would receive a bill in the mail but this was not received. On  XXXX   XXXX , I spoke with a representative and for the first time, was told I needed to request this type of information via email, which I have done. In the meantim e, Fay Servicing has b een racking up fees at a ridiculous rate. For instance, on  XXXX   XXXX  the bill was {$6600.00}. On  XXXX   XXXX  the bill I was told the bill is {$9600.00}, according to the conversations with the  Fay repres entatives. However, I have n't so far received in writing an amount and what date that bill will be good through. In addition, I submitted a loan mitigation application in  XXXX  that I have n't heard a recent status on.  Fay S  ervicing is responding or not responding timely to voicemails I 've left in the past month, while they continue to rack up their high fees. I 'm aware of my rights as a loan mitigation applicant and potential federal RESPA violations that are occurring. In particular Fay is not resp onding timely to my requests for a bill so I can become current with payments. I am in contact with legal counsel on potential federal RESPA violations that have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I was financed XX/XX/2016 for a XXXX vehicle for my son, a Dodge Challenger at XXXX XXXX in XXXX, Tx. My son have been driving this car nearly 45 days. The financial institution was Regional Acceptance Corporation we were preparing to make a payment this week and now we are told its not financed, all this time has passed and these people have been running my credit without me knowing which has dropped my score tremendously now I may not be able to purchase another vehicle since this has happen my score was XXXX now its XXXX. I gave them bank statements, income statements and award letters when applying for this vehicle. I went back too XXXX XXXX three weeks later because I started receiving letters from others financial institutions turning me down for the same vehicle the Financial Manager told me that I was approved and did n't know why that was happing and not to worry about it he also told me when the payment was due and again that Regional Acceptance Corporation whom I was financed with.

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 09/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX HAS LIENED MY PROPERTY WITH JUDGMENT OF THE DEBT THAT WAS INCLUDED IN THE BK AND AFTER BK WAS DISCHARGED. MY NUMEROUS ATTEMPTS TO HAVE THEM REMOVE THIS LIEN WENT INGONED. NOW THAT I 'M SELLING MY HOUSE, TITLE COMPANY REQUESTED A LIEN RELEASE INSTEAD MIDLAND SENT THEM A PAY OFF DEMAND FOR {$8200.00} FOR THE DEBT THAT WAS INCLUDED AND DISCHARGED IN BK ( SEE ATTACHED PAY OFF DEMAND FROM MIDLAND ) WHO AKNOWLEDGED THE FACT OF BEING NOTIFIED OF MY BK HOWEVER, STILL DEMANDED TO BE PAID ON THIS DISCHARGED DEBT WHICH I FIND TO BE A VILATION OF FAIR DEBT COLLECTION PRACTICES ACT! TITLE COMPANY SENT IN THE CHECK BY MISTAKE BUT MIDLAND DID CASHED IT NOW IS REFUSING TO REFUND THE MONEY THEY ILLEGALLY COLLECTED IN FIRST PLACE. MIDLAND VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND US STATES BANKRUPCY CODE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I called XXXX XXXX concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the XXXX XXXX puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with XXXX XXXX and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

XXXX XXXX states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with XXXX XXXX but they are unfair when it comes to this concern. I have looked up XXXX XXXX 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

Company response to consumer: Closed with explanation