milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion had a glitch and violated the rights of the consumers such as myself under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed.

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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and Equifax contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I talked to a CSR around XX/XX/XXXX about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from  XXXX saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with USAA as well as car insurance. I had an accident back in 2015 in which my car was " totaled '' in the words of USAA. My car was paid off and we were sent the access. On my credit report, it shows my account was charged off. They recieved their money, I called and spoke to the insurance rep personally asking if it went directly to USAA and was told yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Fraud or scam

Complaint: Transferred money to the virtual currency service " Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; " THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. 

Funds were transferred XX/XX/2017. 
Funds were confirmed to be transferred on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with The Bureaus, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with PNC Bank N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I completed graduated school in XX/XX/XXXX. I recently received a contact from a debt collector stating she was calling on behalf of PNC loan bank regarding an account I defaulted on in XX/XX/XXXX. I informed her that I had spoken with the company in XXXX and informed them I had been enrolled in graduate school and actively taking classes until at least XXXX. She reported that was not the records she had been given. I inquired that if she had been notified that I defaulted in XXXX why was it just being sent for collections. She reported she did not know. I also asked for the account to be reviewed and contacted the creditor but they refused to give me any information about the account and directed me to the debt collector. I have recently requested information regarding my account from the debt collector, but I have not received any correspondence from her in weeks. I am mostly concerned because when I contacted the creditor they reported they had no contact information from me, but the debt collector claimed she called me the first day she received the debt and she had my personal cell number and address, however I never received any information from PNC about my account being at risk or sent into collections and when I consolidated my student loans in XX/XX/XXXX, they did not agree to allow the account to be consolidated with my federal loans, but I never received anything from them after that either.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Report Activity Expand All Collapse All New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debts reported as in collection can severely impact your credit score, so it 's important to determine how to resolve these debts as soon as possible. 
Debt Collector Original Creditor Balance Owed XXXX XXXX {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: EXPERIAN website or customer service will not allow me to dispute a XXXX   medical bill. 

As of XX/XX/2017, theres a 180-day waiting period  before unpaid medical debts I cant even post comments to explain my situation

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 11/15/2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I initiated services with XXXX they made a hard credit inquiry without my permission neither written nor verbal though Transunion. The Credit Reporting Agency was Transunion, the inquiry was requested on XXXX XXXX, 2016. Multiple calls to XXXX and playbacks of the call recordings confirmed that I never consented to a hard inquiry. I started this process in XXXX and still have received no confirmation or reversal. XXXX provided the address of their headquarters and informed me that I need to write a letter to remove the unauthorized inquiry. The letter was returned unopened by the postal service I then contacted Transunion who informed me that I may not have the inquiry removed without authorization from either XXXX or a government bureau. 
This inquiry is damaging to my credit and I have limited time to solve this case before I deploy.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017, I 'd downloaded my credit report. I called on X/XX/2017 to get a rssolution, no results. I explained that it was a computer glitch that was TrabsUniob problem, not an error of myself caused my inquries to be deleted. Once the glitch was realized, TransUnion added them back on my report. I did not receive proper written notification 5 days prior to it appearing. I 've contacted TransUnion in good faith to ask them to delete the hard inquiries that they had illegally re-added. These hard inquiries add a hardship and my rights were violated by TransUnion. I am asking CFPB to help me make TransUnion to stop victimizing me. Also, I am asking a resolution that all my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 06/26/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient XXXX continues to call even after I have informed them the individual the are calling for does NO exsist at the number they are calling. I have spoken with XXXX representatives and informed them the number they are calling is mine. I have had this number for 24 years and to PLEASE stop calling. Now I get calls2 to 3 times daily and on Saturdays and Sundays. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
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 previously submitted CFPB XXXX XXXX against Citi for a {$960.00} charge to XXXX XXXX XXXX. I do not believe Citi conducted a thorough investigation and simply regurgitated what they mentioned the first time I submitted a complaint. There was no acknowledgement of the evidence I provided even being considered. 

I have attached Citi 's previous responses to my dispute to this complaint. I have also provided the additional supporting information Citi requested in their letter dated XXXX for me to continue disputing the {$960.00} charge. I do not want my complaint being ignored. While Citi 's process and procedure may be working as designed, it does not change the fact that XXXX XXXX XXXX STOLE from me by effectively including a " no refunds '' clause and not delivering on a contract. Citi 's process is flawed if a " no refunds '' clause is all that it takes for companies to take advantage of consumers.

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 08/17/2015 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: USA fund had placed me in collection as charged off debts in which I have nothing to do with this company. The amount of charge off was placed by USA funds are : $ XXXXand {$2600.00}. 
Thank you for for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Partners Financial Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PARTNERS FINANCIAL SERVICES INC STARTED CONTACTING ME OUT OF NO WHERE SAYING I OWED   XXXX   XXXX   XXXX    {$1900.00} NEVER TELLING ME WHAT THIS WA S ABOUT.THEY  HAVE BEEN CALLING AND SENDING LETTERS SINCE  XXXX   2016  ON ACCOUNT NUMBER  XXXX  .FROM MY UNDERSTANDING THERE 'S A BOL MISSING THAT WAS SENT TO THE BROKER ON TIME, THAT THEY HAVENT TIRED TO GET A COPY FROM, KNOW ONE HAS EVER CALLED ME ASKING FOR IT TO SEE IF I HAD A COPY .THEY JUST STARTED HARSING AND REPORTING FALSE AND INACCUARTE INFO TO CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: On  XXXX   XXXX ,  XXXX , my mortgage was modified b y Ocwen Loan Servicing, LLC. Since then, I have  been paying {$2600.00} of which {$1800.00} was for principal and interest and {$760.00} was towards my escrow account. This is the amount that was reflected on my monthly mortgage billing statements. It has always been my understanding that ou r HAMP m odification included both taxes and insurance.     However, on  XXXX   XXXX ,  XXXX ,  Ocwen noti fied me that my payment was increasing from {$2600.00} to {$4700.00} beginning  XXXX   XXXX ,  XXXX . This payment shock is causing me extreme hardship.     I believe that  Ocwen gr ossly mishandled my modification and escrow account. For   two and half years they did not properly escrow my loan, which created severe deficiency on my loan. I have made several attempts to reach a solution for a such a large deficit in the escrow account.
Most recently, Ocwen informed me that they will only accept a full reinstatement and will not be accepting monthly payments any longer from me. I feel Ocwen   's negligence and unfair business practice is driving me into foreclosure and to displace my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation taking more than 30 days on a dispute items i sent to navient and XXXX cra violations of my rights inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of today XX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Other bank product/service) with First Data Corporation (MN).
Issue: Account opening, closing, or management

Complaint: A few years ago I tried a small business and wanted to process credit cards. I signed up thru XXXX XXXX and First Data. They sent me a machine which did not work from day one. I called them and they said they would send me another machine for {$40.00} more dollars. I refused. After months of trying to get this worked out I finally got an email from them telling me to return the machine and the nightmare would be over. I followed their instructions and have the postal receipt. Since then I have been harassed by First Data for lease rental fees ( after I was told the whole mess was resolved ). I did not hear from them for many months and today I received another call, not stating who they were after I specifically asked them who was calling, telling me I owed money to First Data. I replied " I do n't owe them anything ''. The person on the phone told me in a menacing tone, " Check your credit ''. I went online and there are hundreds of complaints against First Data. They are a mega corporation so I 'm sure they feel untouchable. I have been an honest guy my whole life and they threaten my credit when they completely failed me as a consumer. It 's a shame and I expect my government to stop them from destroying good people credit. It 's been years but I still kept the email where they told me to return the faulty machine and that I was done with First Data. Please stop First Data and make sure they did not ruin the credit I rating I earned my whole life ( my rating was about XXXX ). Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have private loans and government loans with my private loans they help me out and getting a lower payment rate so I am able to pay them which I have been on top of them since I started with Navien it they have never been able to work with me in regards to my repayment after I let them know how many student loans I have had I 've offered to pay but at a lower cost just because the interest rate and the amount I owe has been so difficult for me financially with family and they are not able to help me in any certain way every time you call they see if there are no options and that 's the only thing we can do I always offered to pay just a lower rate just so I 'm able to pay something versus pay nothing and they adamantly say no.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have been having fraud and identity theft problems. The FTC suggested I contact Equifax to get a credit report. When I contacted Equifax , they did not tell me I could get a free credit report. Instead, they said I needed to get Identity Patrol for a cost of $ XXXX/month. Three days later, I received an email stating I was no longer eligible and needed to get the Gold Watch protection for $ XXXX/month. When I called to ask about this, I talked to " XXXX '' who told me that some other credit company had put a freeze on my account and asked me a lot of vague questions about my credit without explaining why. Eventually, she said the account had locked up and I would have to email for additional information and she hung up. I was a little concerned because my emails had been hacked into. This did n't seem a secure method. Two hours later I called back and talked to " XXXX ''. He said the problem had been corrected and had been caused by XXXX. The only people I ever talked to were at Equifax. He said I only had to pay {$16.00}. When I explained to him that all I wanted was a free credit report and that that was never given to me as an option. He said there was little he could do. When I asked for a refund, he said he did n't handle that, it was handled by billing in the back-office. I then spoke to XXXX XXXX who said there would be an investigation and I should get a refund in 7 to 10 business days. He gave me a reference number of XXXXNone of these people were helpful, polite, or professional. They all wanted to argue with me.

Company response to consumer: Closed with explanation