milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After calling Transunion on XXXX XXXX and speaking to a U.S. Rep in regards to the following inquires XXXX  XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX -- -- - Inquiry from XX/XX/XXXX XXXX XXXX  XXXX -- -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XX/XX/XXXX XXXX XXXX -- -- -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XXXX XXXX XXXX XXXX -- -- Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX I inform the woman that I did n't authorize these inquiries and she stated they will be deleted.I checked this morning and I still have those inquiries on my credit report. These inquiries are really having a negative impact on my credit as I 've been trying to clean this up for months. It take a few minutes for someone to key in my information but this company take me through XXXX to remove something that they easily allowed to happen.

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 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CONVERGENT. I had previously disputed this account. I have never done business with CONVERGENT. 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 ONVERGENTProvide 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 CONVERGENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 06-01-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have made all payments on time since I leased the vehicle in  XX/XX/XXXX . I made a payment in  XX/XX/XXXX  that they did not credit to my account. I have faxed them proof of the payment and also submitted proof of payment on a prior CFPB complaint which shows as closed because GM Financial responded to it. Although they responded, they did nothing to track down the payment. They cashed the payment immediately upon receipt, but as of  XX/XX/XXXX  no payment is credited to my acccount.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Medical debt) with Credit Bureau Collection Services, Inc. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX University XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an MRI/Xray if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an XXXX ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX so that XXXX XXXX could deny it and then provide an XXXX so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (UT).
Issue: Struggling to pay mortgage

Complaint: To Whom It May Concern I fell behind in my mortgage payments. Applied for a Modification of my loan payments. I was denied for a modification by Penny Mac. They claimed that my income was n't sufficient and that I needed to earn an additional {$200.00} per month. So I rented out a portion of my home to make up the difference. I was told I would get a new customer relationship manager. But I have never heard from her or spoke with her after leaving several messages and calling multiple times. I finally reached someone and they told me send my updated documentation overnight certified mail, which I did. I show a deliver date of the documentation. They have yet to say that they have received those documents. I had also faxed in the documentation. They requested additional information that I have also provided to them. They also indicated that now maybe I now earned too much income to qualify?? I am at a loss as to why no one has reached out to me and why when I speak with one person I am told one thing and then when I speak to another person I get told something different. I want to keep my home and I feel that I have provided enough documentation and supporting materials to show that I am qualified to have a loan modification. Penny Mac has a FC sale date set for XX/XX/XXXX and so I am out of time. I feel that I have unjustly treated and not provided the correct information to allow me to meet the guidelines. How can Penny Mac take my home for not having {$200.00} extra per month and then later having too much income. Please help! Please advise! Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NC XXXX ; Cust. Serv. XXXX, acquired the mortgage on my rental property in XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX, they requested proof of hazard insurance both by mail and by phone, which I provided. XX/XX/XXXX, I received another letter, telling me that XXXX would purchase a " forced '' hazard insurance policy XX/XX/XXXX, because I had not responded. At that time, I called XXXX again and re-sent the Hazard Insurance certificate via PDF/email. The representative on the phone verified that the certificate was received and the policy would not be needed. XX/XX/XXXX, I received a statement from XXXX, showing that {$3400.00} was credited back to my escrow account, as the charge for insurance was reversed when proof of insurance was provided. It appeared the matter was resolved. 

Then, on XXXX/XXXX/XXXX, I received a letter from XXXX stating that I had a " projected Low Escrow Balance '' and that on XX/XX/XXXX, my escrow balance would fall below XXXX. As such, my automatic payment would be adjusted to withdraw an additional {$140.00} per month to make up for the projected shortfall of XXXX. After speaking to XXXX uninformed and sarcastic representatives on the phone, I was informed that this charge was for lender placed hazard insurance. One employee explained it was because the Insurance company had only credited Roundpoint half of the XXXX charge from XX/XX/XXXX. The second employee told me that I had provided a policy that began on XX/XX/XXXX, and so XXXX needed to purchase insurance ( purportedly in arrears ) for XX/XX/XXXX - XX/XX/XXXX. Neither of these employees could explain why my forced lender policy was approximately 10 times the cost of my condo associations hazard insurance.

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 03-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I am an Identity Theft Victim. My original FTC document was fed-ex to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.

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 monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Equifax, I recently received a copy of my Credit Bureau credit report. The credit report shows multiple credit inquiries by the below listed companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Judging by the recent revelation that your database was hacked and you ultimately have left 143 million Americans unprotected, this is unacceptable. And will  NOT be tolerated. 
Please have these inquiries removed from my credit file because it is making it very difficult for me to live a normal life. I have sent this letter via XXXX because I need your prompt response to this issue. 

XXXXXXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX NC XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Again, your system has been linked to an unauthorized hack, of which my personal information, along with 143 million other americans have had their personal information used without permission. Your business has caused unrepairable damange to my life as well other countless millions of other innocent citizens. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. 
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  2017 , Navient formally   XXXX   XXXX   repo rted incorrect information to all  XXXX  credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Taking out the loan or lease

Complaint: I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr. 
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: My husband and I opened up an account with BBVA Compass Bank for our new vechicle. I was told by several reps that I could make a payment from our checking account since BBVA Compass bank did n't have a way to pay online. I made NUMEROUS attempts to pay thru our checking acct and was told that my bank " rejected " the transaction. After multiple calls to my bank, my bank advised me there was no record of BBVA Compass bank transaction. I made a " bill payment '' to BBVA Compass Bank XXXX XXXX/XXXX/16. I checked my bank on XXXX/XXXX/16 and confirmed BBVA Compass bank received my payment. On XXXX/XXXX/16 I started receiving XXXX telephone calls per day from BBVA Compass bank!!!! I returned the call and was told by a rep in the collection department that my payment was late. I advised the rep to double check the records and that the payment was sent via bill pay and received by the bank on XXXX/XXXX/16. After the conversation, I continued to receive calls from BBVA Compass bank XXXX8 times per day!!!!! The calls interrupted my day and evening. I had to put the bank on call block. I called BBVA Compass bank today- XXXX/XXXX/2016 and requested to speak with a supervisor. The call was transferred to XXXX XXXX XXXX. She pulled up my account and verified my account was paid on XXXX/XXXX/16. I advised XXXX a complaint will be filed for harassment from BBVA Compass bank regarding this issue since it should of never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I signed a loan at a very young age about 9 years ago and have struggled since in paying the amount due ever since. I have fallen behind on several occasions because of not being able to maintain the minimal standard of living for myself and dependent. The interest rate is set at 12 %. I started my loan by borrowing {$20000.00} and 9 years later I am at {$29000.00} due to interest. I continue to struggle and can not provide what I need to for myself and son with this extremely high payment of {$460.00} a month as well as it will end up being {$100000.00} of repayment by the end of the " life of the loan ''. The private loan company does nothing to help me make this easier ( by lowering the interest rate/payment ). I have been without a place of my own since I was divorced in 2013 and I am forced to stay with family and or my boyfriend. I can not contribute financially to the household because of this and I am at the end of " favors '' being given by people as we ( myself and my child ) are causing financial strain on others now. Without lowering my payment/interest rate so I can have an affordable payment I will not be able to have a home of our own until the loan is paid off. I have exhausted the forbearance offered years ago and the loan company says I am not in " undue hardship '' because I have {$400.00} a month left over after they calculated my bills. This does NOT include rent/utilities that I NEED to pay but are NOT paying yet because I have to " mooch/live for free '' off of my family and boyfriend. I work for " public service '' and because this is a private loan I am offered XXXX relief. I have another 9 years left on the loan and with that being said my current financial situation is likely to continue for a significant part of the repayment period. I need help ... the only other step I may take is to file chapter XXXX or XXXX bankruptcy. This is insane to start with a {$20000.00} loan that has spiked up to a {$29000.00} loan that will inevitably be paid back in the amount of {$100000.00} ... no one should be forced to live in poverty because of such high interest rates nonadjustable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe that Chase bank may have sometime in and around 2009 sold my account and sold it to a 3rd party junk debt buyer who may have proceeded to take legal action against me and even though my debt with Chase had been paid in full, yet still the account had been sold to another 3rd party. I am not even sure if this account even belonged to me, yet chase negligently and deceptively sold my information to a 3rd party company and has continued to disseminate inaccurate information regarding my account to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 03-04-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I am the XXXX Representative for an Estate that contacted JPMorgan Chase to give me a payoff for the deceased home loan for payment. The home sold, the closing date and time were determined. For exactly two plus weeks Chase gave me false information and would not honor my request. I contacted the Office of the Attorney General in Minnesota for assistance. They did contact Chase Mortgage on my behalf. Chase did give the payoff amount to the advocate that acted on my behalf. Had the Office of the Attorney General not assisted me I would still be trying to obtain the payoff amount for the loan. Chase Mortgage also added fees to the loan which were not applicable in this case.

Company response to consumer: Closed with explanation