milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Debt collection (Medical) with Credit Service of Logan, Inc. (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My insurance company made payment to the company and they kept telling me I was lying. They also refused to listen about my insurance making payment even when I was giving them facts and proof. Then they kept hanging up on me. They also are collecting an incorrect amount. They are collecting more then allowed with the insurance agreement adjustment. They would not let me send in proof to them to show this. When i would try and talk to them they would just put the phone down and not talk to me but I could still hear them talking in the background. I could also hear them laughing when I would ask to speak to a supervisor. Multiple times they hung up on me refusing to take proof of what I actually owed as what they had was incorrect. Then they threatened me if i did n't pay they would send it to a lawyer. Since they have sent it to a lawyer and are still trying to collect with now a judgement for more money then i owe. Also during this they had XXXX other item they were trying to collect from a different thing all together, but i was never even able to resolve that or take care of the other item because they would n't even let me take care of the first XXXX. They even said to me that fine if you wo n't pay we will take you to court. They told the lawyers that I would n't work with them and that i hung up multiple times on them refusing to take care of the debt so do not offer a settlement. This is the most unacceptable behavior ever especially because I do n't owe what they are claiming!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I applied for the AMEX XXXX card with a bonus of XXXX points upon spending XXXX within 3 months. I met the spend and was awarded XXXX points by first statement in XXXX. Then in XXXX, my bonus points was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I terminated a lease XX/XX/XXXX and the judge accepted my termination letter ; the termination was on grounds that the plaintiff was trying to charge erroneous fees and had no proof that these fees were valid, the plaintiff would not allow me to pay my rent because of these fees so they then tried to file an eviction, however they were unable to evict me because I provided the judge with my request for termination along with proof that these additional fees were not valid. The judge accepted my termination request, and issued the order containing how much was to be paid through XX/XX/XXXX. 

Once I left, the plaintiff waited months before furnishing anything to creditors and when they furnished it they inflated the total by over {$4500.00} what the judge ordered with my termination request. 

After numerous written request, Experian has refused to remove the erroneous information as well as the plaintiff who reported the erroneous amounts refuses to correct the data after numerous requests in writing, they constantly contact myself and family members harassing us demanding that we pay the false amount or they will keep harassing me and because their office is technically not in Georgia they state that they do n't have to abide by the order unless I send them the order, but they were the plaintiffs so they had the order. Additionally, they have since been purchased by another company and now this company is furnishing erroneous information and refuses to remove it because when they purchased the other company " they said that 's what I owed ''. It is a nightmare because I have a court order and judgement and they are trying to extort me because they know Experian will not remove it and it has costed me so much to try to remove this faulty information and it has prevented me from getting a new residence because it is on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi, The Company Avant , Inc. falsely reported two missed payments to my credit report.
I 've had   XXXX   balance with this company since the end of  XXXX  and a perfect current payment status up until this week when I checked my credit score, which I check every week.
All of a sudden they reported to the credit bureau this week that I missed two payments for   XXXX   and  XXXX  of  XXXX . I never had a balance with them in  XXXX .
This is 100 % false fraudulent reporting. My credit score has plummeted  XXXX  points because of this false allegation.
How can a company all of a sudden ruin my credit this week over something they alleged happened in  XXXX . Why did n't they report it then. Why was I never contacted over these alleged missed payments at the time.
This is bogus and thoroughly wrong.
I 've strive very, very hard to get my credit score up and Avant comes in and destroys it in one day over false reporting.
I 've contact the company and they said they would look into it and they sent me a email I do n't understand.
This is the companies information : Avant, Inc.
  XXXX   XXXX   XXXX    XXXX , IL  XXXX  XXXX   XXXX 7 Please help me with this situation and let me know who else I can contact about this matter.
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying my loan for almost 20 years and still paying basically interest only. My accrued capitalized interest has risen to {$30000.00}, resulting in me paying 75 % of interest on every $ XXXX monthly payment. At this rate I will never pay this off. I still owe ( from 1996 ) {$90000.00} and only borrowed {$58000.00}. My rate is higher than anything else I own at 6.25 %. I have an XXXX credit score, so have nothing over 3 % and ca n't refinance or pay my loan off. My main question is how can I eliminate the capitalized interest charged and reduce my rate? This fact is not allowing me to make principle payments to reduce my debt. I had a hardship after my divorce for two years, but I still should n't have to suffer. Please advise this ca n't be legal and there has to be limits to term and interest counted for. 

I stress - I just want to pay what I borrowed so I can get my life back. Right now XXXX % of what I pay is going to interest. I ca n't even deduct the interest on my taxes. Please help me find a solution! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Other mortgage) with U.S. BANCORP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The bank foreclosed and now ALL contents from the home have been placed on the driveway since Tuesday XXXX/XXXX/16

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 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are not just calling me everyday, three to even five sometimes more per day, they ( XXXX XXXX - Sallie Mae ) even emails me daily, sometimes more than once a day. The fact 's are this is my grandson 's loan I am only a co-signer. He is not in default but having an issue between XXXX XXXX ( whom really is the big problem ) and acquiring a loan to get back into school. They kicked him out the day before finals because our loan was not complete which put him into an XXXX. We got a loan through XXXX and the school refuses to enroll him so the loan ca n't be excepted. It is bad enough that he is paying XXXX for classes he had XXXX in and was not allowed to finish the semester but the fact the kicked him out right at finals ... is wrong. I am trying to help him and XXXX is trying to resolve this and get a forbearance or something but no one is helping him. In the meantime I am being harassed for being a co-signer and this is not only illegal but beyond stressful. They are emotionally tormenting me, harassing me, stalking me via phone and email. I am a XXXX year old woman and I can not have this kind of XXXX daily. They need to work with my grandson so I can further co-sign but to harass me for signing when he is only a few days late and not DEFAULTING it abusive!!! I ant something done NOW please help us and help me I am too old for this kind of worry, stress and craziness. A co-signer should NOT be Harassed EVER. Notified of the issue yes but stalked via phone and email several times a day ... that is mentally tormenting and stalking me. Sallie Mae needs to be punished for this behavior and in away that will make them think twice before allowing this kind of torment especially to a co-signer. Please help us. Please!!! 

Respectfully Yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert from all 3 credit bureaus that a collection was added from Diversified Consultants XX/XX/2017. The amount is for {$940.00}. I have never heard of this company and I have n't received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit reports. I demand this account be removed from all 3 of my credit reports immediately and be given the opportunity to dispute this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Waiting on loan modification ( Lost medigation ) the mortgage company PNC told us to disregard letter from lawyer with a sale date of XXXX/XXXX/XXXX to wait until all paper work as been done. As of XXXX/XXXX/XXXX our home was put on auction for sale with us knowing nothing about the sale. Just stumbling across it on the internet. We called them that evening and the person we spoke with told us to talking with the lawyer handling it. Has we called on XXXX/XXXX/XXXX we were told they knew nothing about the sale of the home and to contact PNC again. We did just that and we are still getting the run around. We were never told of the sale nor was the sale of our home posted in the local paper. We are being told there is nothing we can do to save our home. But it looks like to us the XXXX different people we have talked give us different stories of what is going on. We sent all paper work as instructed to do. And where waiting on them for answer which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and II do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The XXXX time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Settlement process and costs

Complaint: I got a Heloc loan for XXXX, ( which is a line of credit ) from Citi Bank. I 'm notsure anyone at the CFPB knows what a HELOC is or how one of these loans works, but the lender did a great job in turn time. easy process at the bank. the problem was all the forms the govt has dreamed up, that must be sent to the consumer and then read and signed. I did not understand any of these govt produced, attorney produced forms, and it would take three weeks to read them all. The mortgage process as defined today by the fedl government is broken and confuses me to death. Could you please abolish your existence and let smart people run this business? For god sakes, I do n't want any more forms created by you to safe guard me. I can handle myself. I don t need XXXX of you to look after me anymore and I don t know how we can pay all of you. good god man, think about it. Your killing us. PlEASE stop making rules for banks to comply with. Citi bank told me they now have hired XXXX compliance officer and attorneys to run their compliance department. to offset their costs they have raised my fees on checking and wire transfer and interest rates on car loans and consumer loans, to justify the cost increase. So little old me, gets to pay more money, for you to protect me! You are killing us out here! 

Please back off! 

XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Issue Date : XX/XX/XXXX ( XXXX XXXX - XXXX XXXX CST ) I checked my credit score on XXXX and was shocked to see that I have 10 Hard Inquiries with my Transunion credit report because a number of those inquiries were ones I never authorized or were aware off for that matter. 
I never had business with these companies and kindly request them and their inquiries to be removed immediately on my account before my credit score is negatively impacted even more. 

Misreported Inquiries : 1. XXXX/XXXX ( XXXX XXXX XXXX ) XXXX, FLXXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX ( Bank ) XXXX, ND XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX ( XXXX XXXX ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX ( Bank ) XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 5 & 6. **TWO HARD INQUIRIES*** XXXX XXXX ( Automotive ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX and XX/XX/XXXX I called their XXXX number to speak to a representative and told them I have been a victim of their inquiry issue. I listed out the inquiries from my credit report and the representative ( XXXX ) stated he was unable to do anything with my misreported inquiries with no clear explanation why he could not. I was frustrated and disappointed with Transunion 's customer service because their customer service would not help and take care of the negative inquiries reporting to my credit report. 

Please fix and advise. I desire and request these list of inquiries to be deleted. I understand how important my credit rating is, and do not want false and misreported inquiries affecting my credit score and weighing it down to a negative impact by Transunion 's terrible customer service. 

Thank you, and I look forward to hearing from you soon.

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 11/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Settlement process and costs

Complaint: XXXX XXXX I was fraudulantly foreclosed on and have a judgement in the XXXX district court house XXXX by Bank of New York!. I assume forgery involved and the person may have even appeared in court. I never even got a late notice from my lender and the laws are 90 day notice for sale of mortgage and under the same terms!. My lawyer XXXX in the XXXX XXXX office witnessed the mortgage I signed my bank requested him! XXXX, XXXX. XXXX and I had forwarding mail and all in XXXX! Even the tax office knew my new address!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX ,  XXXX , trans union. It is making it difficult to obtain credit. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (I do not know) with USI Solutions Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has called multiple times about an old phone number from 15 years ago that they say I owe money on, which is false. When I try to get further detail, they yell and berate. A XXXX search of the number reveals that it is a scam and they are tied to other companies and phone numbers that have multiple complaints about scams. I believe the website is XXXX XXXX XXXX in the last call I threatened legal action. I am still on auto-dialer, but no one will pick up and it does not go to voicemail when I call back.

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 11/28/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (VA).
Issue: Managing the loan or lease

Complaint: I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is Midland Credit Management , Inc . They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that Midland has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes Midland has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Deposits and withdrawals

Complaint: I have an account with Capital One 360 and have for a few years. Maybe. Their customer service stated on XX/XX/XXXX that my account was in the negative in XX/XX/XXXX and they closed it. Strangely enough, they still sent me a new Debit Card and accepted my transfer of money to get my account balance to XXXX. Last week I deposited all my funds from another bank and initiated this transaction through Capital One and they accepted the deposit. Suddenly they are stating the account was closed in XX/XX/XXXX. I am befuddled as to why they were still accepting deposits on a closed account and most importantly, they still have not returned the money, which they said they would. I am currently XXXX and the XXXX and change is all the money I have in the world. Why are they so quick to accept money, but not so quick to give it back. I 'm staying in a XXXX right now.

Company response to consumer: Closed with explanation