milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Greetings, I really need your help this time, please. Experian is been reporting a credit card from   XXXX   XXXX    XXXX   XXXX   XXXX   that they are reporting late and which is not true. This credit card was stolen since two and a half years ago and I called  XXXX  and they never sent me the card nor did   XXXX   XXXX   XXXX   as well sent me the card as well. So I have been without this card for almost a year and I have made payments and this card should not be in my credit profile it is fraudulent and an injustice in the part of Experian and   XXXX   XXXX   XXXX   XXXX  .
I am going to attach a screen shot for you guys to see my credit score from all  XXXX  bureaus and you will see that Experian is the only one reporting this account and also the only one with a ridiculous score of  XXXX  which is so inaccurate.
I am trying to own my first home and right now Experian is putting my life and my children 's life in jeopardy. We have enough veterans that are homeless because of reason of such from this credit bureaus, I fought for my country and right now I am  XXXX  and   XXXX   XXXX   and without a home and I do n't think that it is fair for this company to keep on reporting inaccurate information to ruin my credit file and put a barrier right now for me on owning my first home.

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 09-05-2016 about Debt collection (Credit card) with Atlantic Recovery Solutions LLC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Student loan (Non-federal student loan) with WESTERN UNION COMPANY, THE (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am XXXX currently under XXXX student visa and under XXXX insurance and I have some financial issues which I really need help for in order to be recovered. I go to gwu school of law

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NY).
Issue: Fraud or scam

Complaint: my payroll direct deposit was never credited to my account, they are blaming a computer glitch however as of today, they have not made good on those funds. That 's not a glitch that 's fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Debt collection (Medical) with GSI  Recovery, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid and supposed to be deleted from the credit reporting agencies and has not been updated as of yet. It is very important that this be updated as soon as possible as I am in the process of buying a home and this is affecting my rate. I have correspondence from GSI stating that this will be deleted from XXXX. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (SC).
Issue: Problem when making payments

Complaint: After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Lender is not honoring the amortization schedule I signed at settlement that shows PMI ending with my XXXX 2017 payment. Stating that I need to continue paying until XXXX 2017 at an additional cost of {$6900.00} ( $ XXXX/mo ).

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, Transunion, XXXX, and XXXX. Transunion updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I monitor my credit via XXXX. I noticed there were one hard pull each this week on XXXX and transunion from XXXX XXXX dated XXXX XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.

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 12/19/2017 about Debt collection (Federal student loan debt) with Ceannate (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX processed my payment incorrrectly and gave me miss leading information. Did not have the answers to my question. When i asked when my next due day was i was given wrong information. Which lead me to over pay and stay in default longer than necessary. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (WA).
Issue: Taking out the loan or lease

Complaint: I traded in this vehicle with a auto dealership, signed all of the paperwork, got my new car and they never paid off the loan after taking ownership of the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2017 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (MS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Maury Cobb, attorney at law, located in XXXX, AL keeps sending me robotic calls from XXXX asking me to call XXXX. Daily robotic calls to my cell phone attempting to collect a debt from someone who is unknown to me. I have contacted the caller twice to notify of the problem, but they have not changed tactics or otherwise changed their calling pattern. By nature of their systematic inability to source or acknowledge the problem I am effectively being harassed and am seeking relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Struggling to pay mortgage

Complaint: Our Client got approved a XXXX in XXXX, Lender stated they mailed the XXXX agreement letter to our clients address on XXXX, but the letter says it was mailed to our office XXXX XXXX. Our office was never contacted, we never received the letter in the mail, they refused to speak with our client, we asked if there was a deadline, they stated there wasnt and to just have the client sign and send it back, but letter states that there is a deadline. They have given us conflicting information and are now stating that the sale for XXXX will mostly not be stopped - Our client is now in receipt of the approval and will be sending the signed agreement to the lender directly and a copy to our office and we will also be sending the approval letter via fax -

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX. 
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they  would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Today I called Navient around XXXX XXXX, EST. I spoke with a male representative concerning in-school deferment. I had mailed out an in-school deferment form on Thursday to help speed up the process of deferring my loans. The man said they had not received the form yet, but my school 's registrar could call this number ( XXXX ) XXXX to give them my school information ( full-time status, graduation date, etc. ). 

I called my school 's registrar and gave her the phone number to call someone at Navient to provide them with this information. She said it should not be a problem as she has made these phone calls before to inform employers of student 's information. 

I call Navient back around XXXX, this time speaking to a female representative. She immediately transferred me to a different department, where I then speak to another female representative. I asked this representative if my information has been updated since my school registrar had called. She said there were no records of her calling in any department. I thought this was strange, and told her that the registrar most likely did call within the past hour. Still, no records to be found of this phone call. The representative told me to call my school back and see if they could update the XXXX website and possibly resend the in-school deferment form via online upload or through fax. 

I call my school back around XXXX and directly contact the registrar. I told her Navient had said there were no records of her phone call and she said she most definitely made the phone call, and had spoken to a woman named XXXX with a XXXX accent. I also discussed the information being updated on the XXXX   website and was told it would be updated tomorrow. 

I call Navient back around XXXX, and speak to a new representative. I fill her in on what's been going on today, and she tells me the same thing, no record of the registrar calling. I'm frustrated at this point, since there is no reason that conversation should have been ignored and not recorded on my Navient account. This representative then tells me that Navient isn't allowed to discuss my account with other people unless they have my consent. She tells me that the registrar making a phone call wouldn't do anything to update my account. I ask her why another representative would provide me with this information and give me the phone number for the registrar to call and she said she didn't know. She also said that there was no record that I even called Navient at XXXX today discussing this. She checked with customer service to see if they had any record of my phone call and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Chase has had me o n a penalty rate of 29.99 % for years. My card has been paid on time for years and my credit sore is in the high  XXXX    XXXX  . Each time I call they say nothing can be done. I understand the credit card act of    2009 provides for issues like this. According to a credit card group Chase is supposed to review accounts and after six on time payments they reduce the interest. I have bee n ON TIME for years. I called just today and got the same run around. Is there something that can be done? I was forced into retirement several years ago and this really hurts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Medical) with American Financial Credit Services, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I informed the colection agency that at time of service, I was, covered by XXXX XXXX and VA emergency service. They. Still insist I owe the sum! Put a lien on my property some how with out my knowledge! Never notified of court proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is reporting an address I have never lived at. They are also saying I am unemployed. I am employed full time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (OK).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I own many rental properties, and nearly all have washer and dryers for the tenants. We needed a washer and dryer for a unit so I went to XXXX to buy them on XXXX XXXX, 2015. The sales clerk advised me that I could save 5 % if I immediately opened an account. I did so. Upon receipt of my bill, {$3200.00}, I paid the bill in full by sending a payment to XXXX. 
Now I see on my credit report that XXXX is claiming I failed to pay on time and that I failed to pay a late fee. I was never advised that my payment was late, and did n't know of the issue until I recently received my credit report. I want this deleted from my credit report.

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