milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through FedLoan Servicing for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied for several apartments and I was declined due to having a " previous eviction ''. For the life of me I could not understand why I was showing a previous eviction because I was never evicted. The most recent apartment was XXXX XXXX. I had an exceptional leasing agent who explained to me why the application was declined. I had advised her I went through a few rough patches where I was always late but I was never evicted. She explained the company lists verified evictions. When I contacted the company they advised me to show proof that I was never evicted. Well it was hard to do because the property XXXX where I previously lived and where they claim the eviction came from has been demolished. I explained that to them and they advised me to contact the court. I contacted the court and they stated that I have never been evicted and they directed me to a site were I could print public records. I printed the records they showed all judgement as paid and resubmitted them to the reporting agency. Although they initially forwarded me to the court they again said the documentation was not enough. My argument is why should I have to prove I was never evicted? Is n't your job to only report accurate information that you have proof of? How can you report I was evicted if you do not have proof that I was? Its defamation, its inaccurate reporting, and it is costing me hundreds of dollars in useless application fees. I talked to the dispute department and he attempted to steer me away from disputing my file. Then I called again and another person was rude in his attempts as well but I forcefully advised him that I wanted the items disputed. I have contacted the company several times with no resolution. Although the dispute as not come back yet I feel that this company should only report information is verified and accurate. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MN).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I was helping a friend who had lost his debit card, by cashing a {$200.00} check he wrote me so I could give it back to him. I deposited the check into my account because my friend told me it should be available the same day, but it was not, so he then wrote me another {$200.00} check and I cashed it inside a TCF Bank. A few days later, my account is now negative by {$230.00}. On XX/XX/XXXX, {$200.00} was deposited to another account. On XX/XX/XXXX, I received a {$20.00} deposit fee. On XX/XX/XXXX, {$200.00} was deposited to another account. OnXX/XX/XXXX, I received a {$20.00} deposit fee. I did not deposit any money and I am yet to be told how my account being negative makes sense. I called my bank and the lady who was assisting me told me multiple times ( after being asked multiple times ) that the only way to fix my account is by depositing {$230.00}. When I created my account I said I did not want my account to be able to go negative so I do n't see how this is so. I was told that the money was sent back to the check-owners account because he did not have sufficient funds, so I do not see how this is so. And if neither of our accounts had the funds to cover a {$200.00} check, then why TCF Bank allowed me to cash it, I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Credit card) with Total Card, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Unsolicited issuance of credit card

Complaint: I received a letter from Walmart saying my credit card with them had been updated to a MasterCard. At the bottom it stated " If you do not wish to receive your Walmart Mastercard, please call XXXX by XXXX XXXX, 2017 '' I had missed the part reading " do not wish '', thinking it said if the card was not received by XXXX to call them. I called them when it was not received and discovered and realized what the sentence said. I found out it was too late to cancel the card. It will be mailed to me sometime in XXXX. I did not ask for this credit card, and do not want it. I had found it odd to receive this, but let it slide because I was going to cancel it when I received it. I have very good credit, and constantly receive offers in the mail, but this is the first time one is actually going to be mailed to me because I made a mistake in what I read. No other credit offers have done this.

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 04/18/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (AR).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This is the closest category to my situation. XXXX XXXX was authorized to withdraw {$200.00} a month from my bank account with my bank. Around Friday afternoon on XXXX/XXXX/2015 a check went thru the bank and was rejected pending manager approval for {$1700.00}. I can not contact the bank manager until Monday XXXX/XXXX/2015 to attempt to plea my case. XXXX XXXX has not contacted me since our conversation last year. At that time they only had permission to withdraw $ 200 monthly from my account. The collection agent was very rude at the time. No further communications have been received from them by mail or phone. No communication was made about a {$1700.00} draft on our account. No communication was made about a forced final payoff. The collections agent scheduled a return call for XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Vehicle loan or lease (Loan) with United Consumer Finance, Inc. (MA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: X/XX/17  Consumer finance had my vehicle repossessed. I was a month and a half behind on payments I do n't believe the vehicle should have been taken. I have n't heard from Consumer finance and when i did try to call i spoke with a  XXXX  and he kept hanging up on me. I asked him what i need to do to get my truck back and or to get my personal property and he said i can not it has already been put up for auction. He then hung up on me again. Again i have not received a phone call or letter about the next steps i need to take. This is why i called them. I am going to talk with a lawyer about getting my personal property back because it is illegal for you guys to take it. Please let me know what i can do. i am also contacting the attorney general and BBB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my XXXX XXXX, XXXX request for escalation. They have refused, in writing, to communicate with me since XX/XX/XXXX, because I authorized them to talk to my law firm at that time. In XXXX XXXX, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my XXXX XXXX fax. They remained silent. 

Finally, on the afternoon of Friday, XXXX XXXX, XXXX, I faxed them the attached letter, which once again lays out the mistakes they made in determining my eligibility for HAMP. It repeats what I faxed on XXXX XXXX, and again XX/XX/XXXX. I am hoping this third try will work, and making this complaint to CFPB at the same time to improve my odds. 

I request that CFPB take note of their HAMP-application-processing mistakes because they are systemic, as near as I can tell, and will have affected thousands of borrowers. The servicer is the rock-bottom least likely to approve HAMPs of those tracked by US Treasury at XXXX I have tried to modify this loan since XX/XX/XXXX. XXXX XXXX XXXX got away with fraudulent handling by handing the loan off to RCS. RCS should have done a lot better than what I report in the attached letter. 

Sincerely, [ name withheld ]

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX car installment loan. On TransUnion reports dated XX/XX/2016, and XX/XX/2016, my XX/XX/XXXX payment was not included. Also, one of the officials stated that my low credit score would change after 3 months of payments on this car loan. It appears that TransUnion may have deliberately refused to reflect my timely payments. XXXX XXXX is sending me a letter stating that TransUnion was notified of my XX/XX/2016 payment in a timely manner. TransUnion without my request or permission chose to opt me out of promotional lists supplied by TransUnion without any expiration date. It is my position that for some reason unknown to me has maliciously sabotaged my credit report by these various uncalled for actions. This is a complaint totally different from the previous complaint with CFPB. These negative actions of TransUnion causing my credit score to be Grade XXXX even though I always make all payments in a timely manner and every account on my credit report states " paid as agreed ''. TransUnion is violating FCRA laws.

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 09/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In the most recent complaint and response, the company gave an explanation of debt and attached several documents to include a lease and a disposition of security deposit statement. My complaint revolved around an unsubstantiated charge for parts, which was listed under the name XXXX. The company 's response was that " XXXX '' was for utility charges ; out of all the documents that was submitted in their complaint response, their was no billing statement with regards to the claimed utility charge. Every month each tenant was given a billing statement of charges before any amount was asked to be paid. My request is that this company produce that statement to justify the claimed utility charge.

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 07/19/2015 about Prepaid card (Government benefit payment card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees

Complaint: On Several times I contact American Express and they request that I verify with the automatic system then they need verify again with representative then why do need XXXX verification. Then the advertise no Fees why was charge withdrawal fee at the ATM. Please verify my account is being hand correctly and they are working within Federal Regulations my American Express Serve Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Tjmaxx reported I was 30 days late paying XXXX this is not true. They charged a late fee after a payment was made when that wasn't paid they reported there was XXXX unpaid for 30 days. They caused my credit score to drop 56 points. I would like a audit of my count including the date and method they calculated the amount 30 days. I want the information removed from my account immediately. They have caused damage for that I will seek a cfpb claim, but they should not be able to report was is not true.

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 06-05-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I agreed with the finance company to make an " interest only '' payment for two months. The company is reporting that I made a late payment. I 've contact the credit bureau to have it resolved with no success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (I do not know) with Leading Edge Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting called daily from XXXX. Caller ID identifies them as Leading Edge Recovery. I have never heard of them and a quick google search identifies them as a shady debt collection agency also going by the names of XXXX XXXX or XXXX XXXX & XXXX. 

I have answer this call several times to ask them to stop calling, but whenever I answer there is no one on the line, just silence

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Due to an unfortunate change in my financial circumstances, I was forced to pursue a short sale of my home. This process began in XX/XX/XXXX. After several months, I was able to obtain approval for the sale from my XXXX lender ( XXXX and XXXX ) in XX/XX/XXXX. I was also finally able to obtain an approval letter from my XXXX lender, Suntrust, on XX/XX/XXXX ( attached ). Right before my closing, my buyer backed out of the sale because of a serious illness in his family. The home was re-listed on XX/XX/XXXX and a new contract was reached with another buyer on XX/XX/XXXX. Almost immediately, I was able to substitute the new buyer and HUD-1 for the old XXXX with the XXXX lender, who was using XXXX to handle the approval. XXXX sent me a new approval letter on XX/XX/XXXX ( attached ) approving the sale, and REQUIRING A CLOSING NO LATER THAN XX/XX/XXXX. Unfortunately, my XXXX lender, Suntrust, determined that the change in buyers amounted to an " all new '' short sale application. I had to provide them with a completely new application form, financial records, tax returns, and more, despite the fact that they had approved the identical transaction on XX/XX/XXXX. Since that time, Suntrust has continually " lost '' documents that have been sent to them, or advised me on XXXX day that XXXX of the pages of the XXXX Uniform Borrower 's Assistance Form had become " hard to read '' or was n't dark enough, and that I needed to resend it, only to tell me the next day that a different line of the same page needed to be darkened. I have sent the XXXX UBA Form to Suntrust, without exaggeration, XXXX times in the past week, and I have talked to them every single day since XXXX XXXX. I have sent them the XXXX approval letter requiring a closing by XX/XX/XXXX on at least XXXX occasions. Each time that I have sent documents to them, I have been told that it will take " XXXX hours '' for them to scan the documents into their system, THEN determine if the documents are " sufficient '' and only THEN will they begin a " XXXX day review '' period. I have been dealing with XXXX XXXX ( XXXXXXXXXXXX, XXXX ) who is very nice but who appears helpless to assist me, despite his appeals to unnamed supervisors. I do not know if what Suntrust is doing is intentional or simply grossly incompetent, but I and XXXX agree that it is unacceptable treatment of a distressed homeowner, particularly when Suntrust itself previously approved this identical short sale on XX/XX/XXXX. If Suntrust 's continued delays push my closing past the XX/XX/XXXX deadline set by XXXX, I have been told by XXXX that it will have to resubmit everything to XXXX, which could delay or even destroy my short sale. This entire process has been incredibly stressful and financially damaging to me, and Suntrust 's actions/inactions have made the situation markedly worse rather than better.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with United Collection Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a phone call on XXXX XXXX, XXXX at XXXX from a XXXX XXXX who said their company was XXXX XXXX debt collection agency. He called from phone # XXXX. He was asking for my daughter-in-laws mother. I asked how he got my phone number and he said through a XXXX party. 
They have no right calling me looking for her and revealing that they are trying to collect a debt from her. 
This is a disgusting business practice and a violation of her privacy. 
I advise them I do not have her contact information and if I did I would not give it to them due to violating her privacy. 
My phone number is also on the do not call registry.

Company response to consumer: Closed with explanation