milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX I was contacted by diversified consultants inc. they related that I had a collection account and offered a settlement of {$150.00}. I accepted and paid that amount. I never received or asked for a receipt as I trusted that this was paid. Now I am getting charged the amount that was waived in the settlement and that amount is in collections. DCI refuses to provide me with a receipt or documentation showing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (TX).
Issue: Taking out the loan or lease

Complaint: Purchased a XXXX XXXX in XXXX of 2012, I had n't had the vehicle 6 months and the motor went out in the vehicle. I contacted my finance company to advise them of what had transpired and due to the fact of not having the vehicle long. What where my options for the remaining balance on the loan I had taken out. I spoke with multiple representatives and finally was advised to get an estimate on the motor. They wanted to see if the cost of the motor exceeded the value of the vehicle. I obliged, visit a mechanic and was advised by then the motor would be worth more than the vehicle, due to the fact the vehicle was XXXX XXXX XXXX. I submitted all proper documentation to United Auto. I then began getting the run around for about 60 days. Every time I made contact with the representative I was dealing with, he would state call back tomorrow he would have an answer. Then it turned into he 's not in the office, I would be transferred to someone else they stated he was the only person I could speak with. Finally they advised the representative no longer was in that department and they could do nothing for me. I would have to come up with the full balance or they would deem it as a repo, and place it on my credit. I then inquired could I pay a smaller portion to avoid it being placed on my credit, they stated I would have to give them XXXX and it would n't be placed on my credit. Mind you at this point, I 'm out of a vehicle, it 's now past XXXX and I had purchased another vehicle within that time frame. I stated this was n't right could this matter be escalated? They stated no, my father intervened and they gave him the run around as well. By this time they had already filed a repo and placed it on my credit. This

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: mortgage company ( Seterus ) will not stop calling me even though have given them a date when I will pay They use robo calls and called me 7 times yesterdayI

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I spoke with a representative at Focus Receivables Managment on XXXX XXXX, 2016 and Focus Receivables Managment confirmed they do not have a debt within their system of {$790.00} with XXXX. They also confirmed that they would alert the bureaus to remove this debt, but it is still reporting on my credit report. I am filing a complaint for not attempting to help me with this debt. Due to the fact that it is still reporting on my credit report with XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Equifax and XXXX Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NJ).
Issue: Money was not available when promised

Complaint: TD blocked me from using my account to transfer money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out a {$50000.00} loan from XXXX ( now Navient ) back in XX/XX/2007 to attend University of XXXX. During that time, I was never given an option to co-sign with my parents. After my schooling ended, I was automatically set up on a 10-year repayment plan ( by no choice of my own ) with bills far exceeding what I had the means to pay because of the economic crisis. Worse, when I contacted Navient, they quickly ushered me into a forbearance program without even making me aware of an income-based repayment plan. It was n't a few years had passed that I did my own research and found that an income-based repayment plan was even an option. But by that time, my loan had already reached {$80000.00}. I was 100 % taken advantage of at every step of the way, and bullied into forbearing my loans. Now I struggle monthly to even pay off the interest ( at 15 % of my income ) and will be paying almost {$200000.00} after my 25 years is up for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I reviewed my credit report and noticed a debt that had been paid yet it is still appearing on my credit report. I do not owe this debt and would like to have it removed from my report from all three of the major reporting agencies.

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 01-07-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (RI).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I purchased a {$200.00} American Express gift card from the XXXX at XXXX XXXX XXXX XXXX, XXXX, RI on XX/XX/XXXX. I used the card normally for in person purchases. It remained in my possession in my wallet except when it was being used for purchases. On XX/XX/XXXX, two fraudulent purchases were made over the internet using my card totally {$130.00} ( two charges to XXXX @ {$19.00} and {$120.00} ). I noticed these charges on XX/XX/XXXX when checking the card 's balance on the American Express website. This check of an older card was done because I had fraudulent charges on another card - I went back and checked all of my older cards. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that American Express would investigate and get back to me. It has been a month and I have n't been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have wrote  XXXX , TransUnion, and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.  XXXX  said they will removed but still fail to do so.   XXXX   and transuion said they verified but the court said they did n't verified threw them. This item is not mines

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 received my credit report listing the following items I disputed. I have requested for several months Experian to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Experian has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.

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 10/30/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2017 I contacted Sunrise Credit Services INC in regards to an XXXX XXXX XXXX account that they were attempting to collect. I spoke with XXXX XXXX, a representative of the company, who refused to give me a employee identification number. She was attempting to collect {$2000.00} from me. I do not owe XXXX XXXX XXXX this amount of money. 

1. I asked XXXX XXXX, a representative of Sunrise Credit Services to conduct a investigation into the amount owed because it seems really expensive for 1 month of service. I told her that The Fair Credit Reporting act requires any reasonable dispute to be investigated in regards to debt collection. I wanted the amount owed verified and possibly a break down of these charges. She refused to investigate this matter, insisting the amount owed was correct and attempted to collect it via a credit or debit card. I refused to make payment until amount is verified. 

2. I never recieved a XXXX XXXX XXXX bill even tho I contacted the company numerous times stating they had the wrong address on the account. That matter was never resolved, and I never recieved a bill.

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 12/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: not applying payments and confiscating allegedly the cash and then demanding o f me to pay the payments in again in violation of uscfpb consumer regulations. and I am a XXXX veteran and these monies come from my VA us treasury XXXX pension. I am being defrauded by chase allegedly town my home. they denied me twice loan hamp modifications and the current loan is a loan modification I never applied for and has never been settled and I have no loan documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Transaction issue

Complaint: On XXXX/XXXX/16 I decided to take advantage of an offer I received from Chase Slate, using a balance transfer check to pay for an emergency home repair. I carefully read the terms outlined in the letter for the process of using a Chase Slate check as payment to the provider of services. First, the check must post to my account by XXXX/XXXX/2016 ; the date was XXXX/XXXX/2016, so I saw no problem with this. Second, the balance transfer check written can not exceed {$15000.00} ; the amount of the check was for less than that and did not exceed my available credit. And third, only a check issued by Chase Slate is valid, a copy or reproduction of the original check will not be honored. I was good to go ; upon completion of their work on XXXX/XXXX/16, I wrote them a check, using a Chase Slate balance transfer check. On XXXX/XXXX/16, I received a call from the local company who did my home repair. He said my check bounced and he also incurred bank fees.I told him to redeposit the check ; I would call Chase and get it straightened out. I obtained a copy of the returned check from our local bank and contacted Chase. After speaking with XXXX different customer service reps, they all told me the check had never hit my account on their end. Well it had to because it was returned. They took the pertinent info so it would not happen again, since it was redeposited. On XXXX/XXXX/16 I received another phone call from local company saying my check bounced again and there were additional bank fees. At this point I turned to family to secure the funds needed ; I was humiliated enough at this point. I called Chase again, speaking with XXXX more reps. They claimed the check still had n't hit my account on their end. Really?? Then where is it going? This time the reps verified that the check I used was not bogus. Everything matched up, so she assured me it was legitimate. She also suggest I write a complaint to Chase about the situation and gave me the address for correspondence. On XXXX/XXXX/16 I sent my complaint to Chase. I noted that I needed to hear from them within 2 weeks of the date on the letter or I would file an official complaint ; I included my cell number. I sent that letter 16 days ago and have had no contact from Chase regarding my complaint. I did however receive an email survey pertaining to my phone calls. Other than that ... nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I refinanced my SunTrust Mortgage and replaced it with The XXXX XXXX XXXX XXXX. Once XX/XX/2016 hit, the refinance was settled and SunTrust received all of the necessary funds and more to close out my mortgage with SunTrust. I actually received a written note from SunTrust attached here that proves that THEY received the payment to close out their loan and then send me back the additional overpayments ( of course that still has not been received but that is not the key issue at hand ). BUT THE ISSUE is that they still have a lien on my house and wo n't remove that from the county. This is highly offensive because I can not get a home equity line of credit until that lien is removed. What legally can we do to force SunTrust to remove the lien because they claim that they can hold me hostage for 90 days when you will clearly see that they already confirmed that my entire loan was paid off from their email sent almost two weeks ago. Looking forward to learning what pressure you can put on SunTrust so that my new HELOC application with another lender can be processed since I am being held hostage while SunTrust refuses to remove their lien. THIS IS THEIR CONFIRMATION THAT THE ORIGINAL MORTGAGE WAS PAID OFF IN FULL ... ... ... Payoff Processed Dear XXXX XXXX : Your payoff has been processed. 
Payment Details : Process Date Description Amount XX/XX/2016 Loan Paid-in-Full {$560000.00} Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , CO XXXX Please contact our Client Services if you have questions regarding the above transaction. 
Contact us at XXXX. Our hours of operation are XXXX to XXXX. Monday through Friday, and XXXX to XXXX., ET, on Saturday. 
For our XXXX clients, please contact us using the Relay System at XXXX. The Relay System is not available on federal holidays. 
Thank you for choosing SunTrust Mortgage. 

SunTrustMortgage.com This message is for information purposes only. Please do not respond to this email address. 
The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please : ( i ) delete the message and all copies ; ( ii ) do not disclose, distribute or use the message in any manner ; and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. Thank you.

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