milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have several loan types ( DLSTFD, STFFRD, UNSTFD ... ) and have applied for loan forgiveness through Fed Loan Servicing/US Dept of Education. I went through the very long and arduous process. Two months later I received a letter from FedGov stating my loans were " Paid in Full ''. The letter also showed the amount of my original loans and that my balance was XXXX on all XXXX loans. I called and spoke to someone who said this was correct, and that I had XXXX balance and would have no more payments. 
Two weeks later I get a call from XXXX XXXX ( who carried my loan ) saying my loans are now consolidated and will have a new amount to pay. I said " but I was told I had XXXX balance now '' and they had no idea what I was talking about and told me to call Fed Loan Servicing back. 
When I called Fed Loan Servicing back, they had no clue what letter I was talking about and said " we dont send out letters like that, we have no record of that letter ''. 
Every time I call them ( XXXX ) I get a different answer and can not get help. Please help me! I am a XXXX with my XXXX Degree and can not navigatge through this very confusing loan process!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information, including but not limited to my Social Security Number, address, and birth-date. They not only allowed a data breach of over 143 million consumers information around XX/XX/XXXXand XX/XX/XXXXof 2017, they neglected to inform parties until nearly six months later, leaving them vulnerable to fraud and identity theft while potentially using that information to conduct insider trading. I had to find this information out without any notice from Equifax on the " Potential Impact '' portion of their website www.equifaxsecurity2017.com. This negligence of proper security protocols in handling consumer information and the unethical actions of Equifax thereafter is unacceptable and needs rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Payday loan debt) with Enova International, Inc. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have gotten loans from CashNet USA before and had little to no trouble. However, there is a constant issue with their website. 

It takes forever to load unless you are on mobile and even then some of the site does not work properly. I have informed them of this issue many times. However, that is not what my complaint is today. I kept getting emails about my existing loan telling me that I had the option but when I checked my account, it was showing a XXXX balance and no option to extend. 

I emailed customer service about it but got no answer. After a few days of this, I went on the site at work and opened the chat window. The rep. and I got the whole thing straightened out and she got me on a payment plan starting XXXX XXXX and ending in XXXX when the balance would be paid off. Now I 've made my first payment on the plan. On the tenth, I got an e-mail stating that I was overdue and have been getting repeated e-mails and missed calls from what I assume to be the automated collections service. Why am I getting these calls and emails if I am on a payment plan? 

I am so disgusted with this company that I will be glad when my loan is paid in full. I should not have to get these emails and phone calls when I am on a plan and making my payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Merchants Credit Assoc. Inc SC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Contacted me on XX/XX/XXXX and I told them I will contact the Dr office and pay them directly. XXXX told me that even if I paid the Dr she was still going to file the {$30.00} bill on my credit. I told her at that time not to call me that if her office needed to contact me they can so that by mail going foward. She then told me she had another bill from a service XX/XX/XXXX. I told her she ca n't wait 5 years to contact me about a bill, that she had 3 years to make that bill known. XXXX said no she can wait 7 years. She then hung up on me. I then contacted both offices and the XX/XX/XXXX office said they should n't have waited 5 years and she did n't have the records of my bill anymore, but she will call me back. I never ears back from her. The XXXX office I left the office manager a message explaining how the company they contracted to represent them was operating and I want to pay the {$30.00} to her office. I 'm waiting on a call back. Since I made it clear to Merchants to contact me by mail, I had 2 hang up calls when I try to answer on XX/XX/XXXX and then I had a call today from XXXX XXXX XX/XX/XXXX I told him that I have notice for his company to only contact me by mail he lead into telling to just pay the bill in a rude way as if talking down to a child. I told him I 'll take care of it with he XXXX XXXX and he kept talking down to me. I cut him off and told him to contact me by mail not by phone anymore. He of course wanted to carry on a verbal battle. I was also recorded without my permission. XXXX made the comment that she can play back our conversation. I told her that I did n't give her permission to record nor did she ask for my permission or let it be known she was recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On   XXXX   XXXX   XXXX   , I r eceived a letter in the post from  Citibank stating that Citibank has closed my credit card due to supposed inactivity. Prior to this letter, I received absolutely no notification whatsoever from Citibank regarding this closure. Citibank automatically closed my credit card on its own at its own will, without even the slightest common courtesy and decency of notifying me well in advance of its action and the steps I ought to take to prevent such action. I logged into my online account. I was able to conduct a chat session there, but the representative could not do anything to remed y the issue at stake. I called   XXXX   , but the  automatic system hung up on me when it could not understand the reason for my call. I then called again. A representative said my account would be under review, and that indeed, absolutely nothing could be done immediately such that I could use my card right away. I would like to add that both  American Express and   XXXX   have  confirmed to me they will never do such an automatic closure without proper advance notification. Shame on  Citibank.

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 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX and XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1.No payment history from XXXX. 
2. Payment status states " Charge off '' however in the remarks account states Paid in full.

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 Navient Solutions, LLC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am enrolled in income based repayment with Navient on my federal student loans. They have a history of incorrectly processing the necessary paperwork, so this year I was very careful to ensure my renewal application was complete and filed with plenty of time for them to review ( over a month, possibly two months ). They failed to correctly process the paperwork. As a result, they booted me from the income based repayment program and in the process proceeded to incorrectly capitalize interest. They now assert that I owe more money than I actually owe, both as principal and as my monthly payment. I have called them at least 3 times about this, and remain without resolution. I know that the information that I submitted was sufficient, as it was identical to what was provided to other loan servicers who I submitted to for other student loans of mine.

Additionally, I was shocked to hear one of the Navient customer service agents ( " XXXX '' Navient ID # XXXX ) try to tell me that capitalization of interest is normal and correct as part of the income-based repayment process each year... that is false. Capitalization of accrued interest only occurs upon exit of the program. This man was either negligent or intentionally lying to me. I 've looked at a lot of information about Navient online and it appears that this is a pattern and practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter in the mail, seeming official, from a company identified as Convergent Outsourcing Inc . They stated in their letter, that XXXX had sent me to them, for collections, as I still owed {$890.00} on my account. I do n't know how they got that information, but I was already in contact with XXXX to pay that debt -- monthly as much as I was able. I called XXXX Customer Service and they responded that they had not sent me to any collection agency. Convergent Outsourcing Inc. fraudulently attempted to take payment for a debt they did not own -- if they are indeed a collection agency at all. After a quick online search, I found that Convergent has been scamming people for years. They have no right to collect any money from me, nor do they have the right to contact me in any way. I want them reported to whatever agency is allowed to stop them legally. They are scamming people, and have been doing it for years apparently.

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 08/17/2015 about Credit card () with U.S. BANCORP (NV).
Issue: Rewards

Complaint: Some individuals were receiving an offer for a free night stay at XXXX XXXX hotels. However, not everyone received it. The offer was not available for all card holders. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Deposits and withdrawals

Complaint: I have a PayPal account and was recently advised that my acct has been permanently suspended. I have ~ {$400.00} in the acct, but they are advising that I can not obtain these funds for 180 days! Seems unreasonable that I should have to wait for 6 months to recover MY funds. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Debt collection (I do not know) with AFNI INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..

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 SUNTRUST BANKS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 05/27/2016 about Debt collection (Medical) with First Federal Credit Control (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Doctor submitted wrong Code to Medical Insurance. His code stated Cosmetic, so the Insurance denied the claim. 

This was removed from Collections before. This is a second attempt to collect funds not due. I refuse to pay {$190.00} for wrong Code when the Doctor can resubmit under proper code and I will owe less than {$8.00}. I feel this is Fraud. 

This provider is attempting to collect money he is not entitled to. 

Samples were removed by the XXXX Doctor XX/XX/XXXX. This bill is from XX/XX/XXXX, not XX/XX/XXXX. XXXX Doctor and Hospital have been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XX/XX/XXXX, Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them XXXX, inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items. This is fraudulent and I will seek legal ground If this is not corrected. All of the other credit bureaus have my personal information correct except for them. I think something seriously needs to be done about their practices. 

I need for the following addresses that are not mine and should not be reporting. 

XXXX XXXX SC XXXX ( what is this??? this is an office building ) I looked it up. 
XXXX XXXX SC XXXX XXXX XXXX CO XXXX XXXX XXXX SC XXXX Delete these names that are not accurately reflected on my SSN card or my drivers license. This is fraud also. 
XXXX XXXX My name is XXXX or XXXX

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

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 05/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a notice from Midland Funding LLC that I owed  XXXX  dollars and when I sent them a letter asking to verify the amount and what the debt was from I received a response that they did not have any information. I then continued to receive phone calls and letters trying to collect debt and contacted them to tell them I needed verification of the debt and they said they did not have to provide that information. This is not on my credit report and I do n't know what this debt collection is for. I would like th get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started the payment plan with the department Of education in XX/XX/XXXX I was only billed {$5.00} A month as long as XXXX consecutive payments were made of my income. After the XXXX consecutive payments navient took over as my loan servicer. I had received an email saying starting XX/XX/XXXX I had to pay {$390.00} a month horrified of the email because I can not afford that I had called customer service and she had told me to put a forbearance on my loans and fill out a request for an income based repayment plan. I went to the IRS link provided and imported my tax information straight to the income based plan. ( MIMind you I did n't even make {$XXXX} in XX/XX/XXXX ) I received an email the next day saying my request had been received and is processing. I received another email from navient stating I owe {$390.00} due XX/XX/XXXX. Ii have an almost {$400.00} student loan payment on an {$XXXX} Income and also checked I 'd like my servicer to provide me with the lowest monthly payment possible. Which obviously is not the case.

Company response to consumer: Closed with explanation