milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account does not belong to me. I reside in California and it stating this account was for gas services in Las Vegas Nevada. I disputed this with Transunion and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from 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 01/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I can not reach a live customer service rep. when I call Seterus at XXXX so I am asking for your help. My mortgage servicer, Seterus, has been collecting my ARM Loan for many years. The interest rate typically changes every XXXX or XXXX according to the LIBOR rate and Seterus, notifies me in writing every XXXX if there is a change in my XXXX and subsequent payment amounts. Going back, my monthly payment as of XXXX XXXX was {$580.00}. My monthly payment temporarily changed earlier than the normal XXXX of each year to {$590.00} for XXXX, XXXX & XXXX XXXX. No explanation was given for the higher payments in XXXX, XXXX & XXXX. That had never happened before in the 12 years I have been paying my mortgage. Then as expected in XXXX XXXX it changed to {$580.00} according to the LIBOR Rate at that time. My monthly payment has stayed {$580.00} up until the present time as I have not received any notice from Seterus that my payment went up or down in XXXX XXXX. I assumed the LIBOR rates had not changed so my payment would logically stay the same. The last payment I sent early to Seterus of {$580.00} was for XXXX XXXX. The automated voicemail system at Seterus confirms they received the XXXX XXXX payment of {$580.00} on XXXX XXXX, XXXX. Since my Chapter XXXX Bankruptcy was discharged a few years ago, Seterus never sends me monthly statements any longer. But now I have received an Account Statement letter from Seterus saying I owe them {$1200.00} by XXXX XXXX, XXXX. The statement says my Monthly payment is now {$600.00} and under a heading titled Activity Since Last Statement, they are charging me a late fee as of XXXX XXXX, XXXX of {$21.00} implying I did not make the XXXX XXXX payment. First of all, I do n't get statements from Seterus and secondly, I am not late on my XXXX XXXX mortgage payment. They received the {$580.00} earlier on XXXX/XXXX/XXXX. Plus they list {$87.00} as Other Charges in the total of {$1200.00} they say I owe them. It is not my intention not to pay my mortgage. But if I send them {$1200.00} then Seterus is collecting twice for XXXX XXXX as they already accepted {$580.00} on XXXX/XXXX/XXXX for my XXXX XXXX payment. I can see them saying I owe them XXXX if that is what my monthly payment went up to back in XXXX XXXX. I just wish they had notified me of the change. So I am going to send them {$600.00} and a letter of explanation of why I believe their Account Statement Billing is in error. But I also think I need your help as a go between. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To whom it may concern, Per your web that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$670.00} and last delinquency reported   XXXX   XXXX  , 2014, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for. By not replying in a timely manner to my initial letter you signed you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Never received anything about alleged debt through mail. Repeated phone calls and threats to family members regarding alleged debt..

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 12-07-2016 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: They have been notified that I receive student loans and they are trying to garnish my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Deposits and withdrawals

Complaint: After 4+ years of perfect transactions and feedback, I get a " reserve '' of {$15000.00} placed on my account. They are holding $ XXXX+ currently I am asking that Paypal remove the {$15000.00} " reserve '' they want for me to continue to do business with, and to allow me access to the $ XXXX+ that is currently being held. I have never had a chargeback or any issues. I have NEVER had {$15000.00} in my account at one time, so to ask me to put that in to continue doing business is crazy. I have had a surge in sales and explained all this to the lady I spoke with at Paypal, I have sold these products for 3-4 years now WITH NO PROBLEMS! 

Currently, I can use my account to accept payments, but ca n't spend/use it until I have over {$15000.00} in it. Why would I continue to accept payments when my next {$9000.00} in sales ca n't be accessed? 

I sell on XXXX different sites and XXXX/XXXX different product lines, so this " hold/reserve '' is going to destroy my other lines of business as I ca n't pay my distributors for products that need to be shipped. 

I am asking that this reserve be removed and I can continue to conduct business as usual. If you choose to discontinue business with me is fine as well, however I need this release of the $ XXXX+ release and I will withdrawal it. This has been a detriment to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Account with an appliance company and if only a day late they will first repeatedly call personal cell phone every hour then start calling work number. This is the third time from XXXX XXXX that I have received a call with the latest call received today at my place of employment XXXX XXXX, XXXX at XXXX XXXX while I 'm servicing customers. I have repeatedly asked the caller XXXX to stop calling my work. I pay the account online and have never missed a month of payment. This company took over for the original holder of the agreement which went out of business ( H.H. Gregg ) and if I was going to be late I just notified them. I 've attempted to do the same thing with this company ( XXXX XXXX ) but she continues to call even after arrangement has been made.

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 09/21/2017 about Student loan (Private student loan) with Cognition Lending Corporation (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX can not find my payments for : XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} I have sent numerous letters year after year after the start of the loan repayment asking for receipts, confirmation for payments, left messages, no one returned my calls or letters. There is no online capability to make payments, so there is no possibility to track electronically. All payments have been made my mail with a check. I have tracked some of these payments with check numbers. I finally was able to communicate with someone with XXXX a few yrs ago. I found out we were not on the same page of payments made. I found out their address had changed when I received a return mailed check, no one had told me their address had changed and I had to research how to get a hold of someone there. When asking my bank for proof of payments, they told me they destroy all bank transactions that are older than XXXX yrs old. XXXX does not have any proof of transactions either. My payments are divided into XXXX different accounts when received for deposit. It also takes a long time for them to get deposited. I do not receive any confirmation, and was told I never will receive any kind of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Student loan (Private student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XXXX XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

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 11/30/2017 about Debt collection (Other debt) with Choice Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Choice Recovery, XXXX Ohio refused to remove medical bills sent them information that I am covered by XXXX XXXX and XXXX XXXX XXXX Se nondairy. 

Representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to collect a balance on an account that was canceled, but the company continued to bill me. Once the company was contacted regarding this they refused to reversed the charges and referred the case to a collections agency, who has submitted negative remarks on my credit report. Every single other account I have is paid in full and I have no problems paying my debts, but this was not an authorized charge that they are trying to collect and this damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company, which i hold no contract with nor have i received services from, have reported a collection account against my SSN in the amount of   XXXX  with  XXXX  ,  XXXX , and  XXXX  credit reporting agencies.I requested verification of the debt and account.However, the business failed to provide adequate proof considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Making/receiving payments, sending money

Complaint: # 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with ACS Education Services (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Subject: RE: Credit Card Charge Disputed for XXXX Order XXXXGreetings,After examining the merchant and the amount on my credit card statement provided by Chase, I disputed a charge in the amount of $XXXX posted on XX/XX/2017 because neither I, nor anyone authorized, ordered, or signed for the merchandise. In addition, neither I nor anyone authorized received the merchandise represented by this transaction. I have been victimized and asked Chase to reissue a credit in the amount of $XXXX so wrongly incurred as soon as possible. I talked to someone on the phone previously from XXXX  and access to my account was restored after being locked out for three months due to the dispute.Chase position is that because the merchandise was billed to or shipped to your addressXXXX is claiming to have issued a refund and instructed to me to contact Chase. Chase is claiming that they have not received a refund and continues to bill the full amount plus interest and fees.If you have any questions or concerns, please do not hesitate to contact the undersigned. Thank you in advance for your time and assistance.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I filled out the Fedlaon application for loan forgiveness since I had been paying loans for over 10 years and worked for a non profit hospital. I received a letter saying that they were waiting to receive information from all my lenders. On XX/XX/XXXX I logged into their online account. On XX/XX/XXXX I inquired about the why I was now paying them and not my previous lender. On XX/XX/XXXX I again inquired about the missing second loan. The beginning of XX/XX/XXXX I called Fedloan because the monthly payments were different than what I had been paying. 
I told them that I was concerned my balloon payment the last two years was going to be over {$500.00}. They did not care. I asked them if I could set up an automatic withdrawal with another amount and they said they could not do this. At the same time I also realized while on the phone that I was truly not eligible for loan forgiveness. 

Had I know I would not qualify I would have left my loan with the other lender. Nowhere did it say that the loan would be turned over even if I did not qualify. I was under the impression that they would keep track of my loan status and let me know if I became eligible. 

My loan is now going to take a couple of months longer to get paid.

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 All State Credit Bureau, Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history.

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