milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was not approved for a transaction I was purchasing with my credit card one day last summer, and when I called the bank they stated the account was on hold for a bankruptcy. I then went to get my credit report from online and saw a bankruptcy and judgement that I have no knowledge of whatsoever. I then went to file a police report, I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. The reporting agencies are not following lawful procedure. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. This item did not occur as presented. Please contact the government agency that is reporting it to verify the detatils, if you do not remove it from my records provide me with written proof of every detail shown in your entry. This is some information I have requested from this credit reporting agency, and I 've yet to received any correspondence about the fraud to 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 non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To whom make concern : XXXX XXXX XXXX XXXX XXXX XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably.
<P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XX/XX/XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XX/XX/XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan from Navient. I began paying this loan on XX/XX/XXXX. The original balance due was {$56000.00}. The balance due now is {$53000.00} I have attached my payment history document showing that I have paid a total of {$48000.00} towards this loan since XX/XX/XXXX. My interest rate is 7.75 %. I do n't believe this is being administrated correctly. I feel like I am being taken advantage of and I need help. I have called Navient thousands of times in the past ten years begging for help. Begging for an affordable payment or lower rate and am told time and time again there is nothing they can do. I was unemployed for XXXX recently after losing my job and Navient would n't help me with anything. I was told I ca n't defer or forbear because I did once right after college. I have obtained a new job but am not being paid much and I can not afford this loan anymore. I have fought my whole life to maintain my good credit but I am at my last stand here. If I ca n't get someone to help me with this I will give up and stop paying it. I am a responsible hard working person who made a mistake when I was XXXX taking out student loans. I did n't realize how corrupt it was. I do n't feel it is fair for them to ruin my credit and my life. I 'm XXXX and i was forced to move into my parents house. I have racked up credit card debt because I ca n't afford to live with this loan and my federal loans. I am begging for help with this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Installment loan) with Motormax Financial Services Inc. (SC).
Issue: Managing the loan or lease

Complaint: I refinanced my XXXX on XX/XX/2016. The vehicle was used as collateral for the loan. On XX/XX/2016 I was involved in an accident and the vehicle was a total loss. I just had liability insurance on the car at the time and the loss was not covered. I drove for XXXX and now I had no income since I had no car. I was unable to continue to pay on the loan. The loan company sent me a letter and said that the loan would be paid in full and the debt settled if I could pay XXXX. I worked with my insurance co. for several weeks and finally they did agreed to pay for some damage. ( comprehensive/falling objects. ) When my insurance company called the loan company to find out the amount they needed to send to pay off the loan, they were told by the loan company the payoff was XXXX! I went back to the loan company and they said they were not going to honor the settlement agreement they had agreed to. I looked more closely at the loan documents and how I was treated and feel the loan situation was predatory. This has put me in a bad financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have an unverified account from Diversified Consultants. I had previously disputed this account. I have never done business with Diversified Consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultants Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultants Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Consumer Loan (Vehicle loan) with SECURITY FINANCE CORP (NC).
Issue: Managing the loan or lease

Complaint: My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete it.

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 07-08-2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. 
A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. 
I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. 

P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. 

This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. 

Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: On the XX/XX/2018 i disputed the tax lien for not meeting the new enhanced reporting requirements but it still remains on my credit report.The federal tax lien on my Transunion credit report from the XXXX XXXX Recorder 's Office do not meet the new requirements under the National Consumer Assistance Plan that states that public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain the minimum identifying information of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Full Social Security Number and/or date of birth. I have reviewed the tax lien and it does not have my full SSN # or DOB on it clearly identifying that it belongs to me. Transunion is not following the rules of the National Consumer Assistance Plan. XXXX and XXXX compiled and deleted the inaccurate information.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute  XXXX   XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I applied to care credit for assistance in financing some dental work I was having done. I was approved for an XXXX credit limit. For awhile I was making my payments monthly until I noticed that I had paid over XXXX and only XXXX was credited towards my account. I recently received a bill from a collection Agency stating that I now owe XXXX on a card with an XXXX dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these XXXX companies to have deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to XXXX XXXX. Both companies have yet to provide any validation bearing my signiture. After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (VA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Trouble during payment process

Complaint: i purchased my home in  XXXX   XXXX  which was financed through  Homebridge  with a VA mortgage. Initially my piti payment was  XXXX  then in  XXXX  after escrow analysis my payment went up to  XXXX  now again in  XXXX  they have increase my  PITI  p to  XXXX . This is an extra  XXXX . / year they are collecting from us now when our property taxes have only increased by {$1500.00}. I have called HomeBridge several times during this month -  XXXX   XXXX  - for a response to why they have increased our payment so much. They sent us another projected escrow analysis which is not even correct. no one will call y ou back from the escrow department and customer service department can not transfer you to anyone to discuss either. This is a serious financial hardship for a family of a  XXXX  vet when you purchase a home with a fixed rate mortgage and you are being over charged for your escrow with your monthly mortgage payment increasing {$450.00} over 18 months and No One will discuss this with you to verify why. I am reaching out for some assistance and to have our escrow reassessed so we have a more accurate monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation