milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My name is XXXX XXXX I have been asking navient for a better monthly payment. The amount they bill is to high, can not pay that much. I graduated last XXXX 2016 I have not found work yet but I have been XXXX and I have send them my pay stub and tax papers my husband has not worked for the past 10 years. it looks like they are giving me a run around, please see if you can help in this matter I would appreciated XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection letter from Portfolio Recovery Associates concerning a computer system purchased from XXXX XXXX through XXXX XXXX. The computer was purchased around XXXX 2011, with no interest charged due to my high credit score. This system was paid in full on XX/XX/2011 by electronic payment from my credit union. I have the XXXX statement showing the full amount of the last invoice I received from XXXX as paid. Portofolio Recovery is demanding payment in full of {$1000.00} even after I provided a copy of the XXXX 2011 CU statement showing the final invoice amount of {$370.00} as paid from my account. They continue to send letters with additional demands which I answer within their time limit, but I do not send additional information except to inform them that their info is incorrect and that I never received any correspondence, of any type, from XXXX, concerning this bogus past due account. I also informed them, to no avail, that IF this was a past due account any reputable company would have made contact sooner that four years after the fact. I understand that this company has some very questionable history in matters of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I summit a request loan forgiveness a couple of years back in XX/XX/XXXX to the U.S Department when I found out Everest University who was part of XXXX XXXX went bankrupt and close their schools. I received a email from U.S Department of Education back in XX/XX/XXXX that my loans forgiveness was approve under repayment rule 34 C.F.R S685.26 ( c ) and that it would be complete within the next 60-120 days and my servicer Navient will sent me more detail about the forgiveness including which loans have been forgiven. I waited pass and 120 days and I never received any information from my servicer provider Navient.. I called Navient to see the status of my loan forgiveness customer services transfer me a few time to a person that could answer my questions. Customer services told me they received the same email back in XX/XX/XXXX and said they are still waiting on US. Department of Education completed the process even thou the email stated 120 days past and also they stated even it can take over year once its approve for loan forgiveness. They also stated that my loans are in deferment without interest because when I file for the loan forgiveness with the US.Department of Education I had my loans put in deferment with US. Department of Education they had it set up were no interest would be added until a deccision has been made. I have been receiving quarterly statement from Navient and each statements showing increase on the interest itself this has been going on for the last two years while loans have been in derferment.. I called Navient to get this corrected and all I get is the run around with Navient customer services and one time they hang up on me before I get answer on why

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (VT).
Issue: Loan servicing, payments, escrow account

Complaint: I am refinancing my zero balance Home Equity Line of Credit loan to another lender and am being told that I will be assessed an early termination fee of {$450.00}. The Line of credit agreement and disclosure statement reads as follows under Early Termination Fee : " The lesser of {$450.00} or 2 % of the amount prepaid if I close my account before the second anniversary of the date that my account is opened. '' The math is pretty simply that 2 % of a XXXX balance is a XXXX dollar fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued harassment by computer calls from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE ; Fay Servicing LLC-Loan Account # XXXX To whom it may concern, I just received the following letter from Fay Servicing and i am really upset with all the misleading information that XXXX XXXX is providing us. 
Over a year ago i requested for help under the XXXX Short Sale Program due to my hardship, As of XXXX 2015 my realtor finally got an approval on the XXXX Short Sale however the buyer was not able to get prequalified due to his income. The same month XXXX XXXX told me that my realtor was not acting in good faith and therefore if i want them to review my XXXX Short Sale i will have to look for another Realtor. 
So i did like XXXX XXXX from Fay Servicing told, i went and got a new Realtor. Now the new Realtor XXXX has been working on the account since XXXX XXXX as of XXXX/XXXX/15 Fay Servicing LLC/ XXXX XXXX stated that they issued an approval however the approval was received until XXXX/XXXX/XXXX giving us less than 10 days to close. At that moment my realtor told me it was n't enough time to close and he will be requesting for at least 10 more days to get the escrow finally done. 
Since then XXXX XXXX XXXX refuses to answer my realtor 's calls or emails, we requested for her manager and XXXX License Number and now she does n't even answer our calls. After 3 months trying to get a manager we finally got transfer to XXXX XXXX ( Senior Vice President ) who stated he will not issue the extension or any review because of my background. 
I am starting to believe that XXXX are trying to manipulate and take away my home. I dont know what to do now, please Im begin for your help. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Transaction issue

Complaint: I attempted to make a credit card payment for {$150.00}, XXXX payments were submitted : XXXX for {$140.00}, and XXXX for {$150.00}. I immediately called PayPal to correct the payment and was informed there is no possible way to correct a double payment. I only submitted and authorized XXXX payment for {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I cited my rights under the Fair Credit Reporting Act and asked Capital One Bank to provide me with full details regarding the proper timely billing of my credit card account. I asked them to provide proof that they billed me on time and that my payments were in fact late. Capital One ignored my request and insisted that they were correct in their billing efforts. Attached to this complaints are the letter that they issued in response to my request and the certified mail receipt dated XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (DC).
Issue: Other transaction issues

Complaint: I accidentally had PayPal draw funds from the wrong source to pay for XXXX separate transactions. When I realized the mistake, I promptly called PayPal to change the funding source and ensure PayPal would receive the funds they fronted to pay the sellers. I was informed that it was impossible to change the funding source and that they would be trying to receive funds from an overdrawn account in three days no matter what. It is unacceptable that PayPal will not allow me to prevent further overdraft of my checking account and ensure their swift repayment from an alternate source.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: I filed a previous complaint with CFPB against Discover, complaint # XXXX. 
Discover only addressed part of the complaint on XXXX/XXXX/XXXX and completely ignored the financial compensation request as a result of their admitted negligence, for allowing an invalid fraudulent balance to remain on my account and charge off for years, since XXXX XXXX, XXXX. 
I requested financial compensation totaling {$26000.00} : I lost {$2500.00} as a result of a reduced credit score and loss of lease agreement with XXXX. This forced to use my old vehicle XXXX XXXX XXXX XXXX XXXX as a trade in for a lease on new vehicle instead of selling it privately for {$2500.00} more than the dealer gave me. The reduced credit score caused the dealer to have to re work a deal and i lost the private sale. 
In addition, shortly prior to that, i refinanced my home and this charge off caused my new loan to be increased by at leased {$50.00} a month for 40 years = {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Mortgage (FHA mortgage) with SN SERVICING CORPORATION (GA).
Issue: Struggling to pay mortgage

Complaint: I have a foreclosure sale date of XX/XX/2018. I have submitted my offer to the bank for a short sale, and the bank is stating that they can not review the documentation due to the time frame. I feel as if i am about to lose my mind. I have been trying to maintain this mortgage for the last year. I had informed my lender that i was having trouble, I have tried my hardest, and I am desperate for help. I feel as if my lender is being unreasonable and they are not doing what the government says the lenders should to provide foreclosure alternatives to me ( as the homeowner ). Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  attempted to process tge repurchase of my loan which they sent to  XXXX  as a default accidently.   XXXX   refuses to process this even being made aware that an error occured.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

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 05/28/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I went t o the Hospital, I su bmitted my health insurance card, they assured me that they would send me a bill. They never did, nor did receive anything from them. I gone to this hospital for 9 ye ars ( at least 30 different times ). I have always paid them their payment. This these two times they never send me anything. I need a fair opportunity to pay this bill, so I can pay the bills and I need this removed from  my credit.  <P/> COLLECTIONS Original Creditor  XXXX   XXXX   XXXX   XXXX  Opened Date      XXXX   XXXX   XXXX              CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX   {$42 0.00} Original Creditor  XXXX   XXXX   XXXX   XXXX  Status Open Opened Date    XXXX   XXXX   XXXX    CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX      {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: In the past several months, at least once a month, I receive a letter from Chase Bank denying a request for a n Amazon .com Visa Signature card. Thankfully, these continue to be denied. My problem is I have never applied for these cards. I do n't want Amazon or Chase bank to continue to check my credit. What if my credit improves to the point they actually open these accounts. I have spoken to chase bank a couple of times. They have given me the fraud department # to speak to a specialist.      I spoke to chase bank today, I was given the fraud number and told the fraud department is closed on Saturday and I need to call during the week. The letter from chase bank is dated  XXXX / XXXX / 2017  and has a reference #

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with GLA Collection Company, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Submitted settlement offer letters paying GLA Collections the full balance of my collection accounts totaling up to {$380.00} on XXXX. Received a call today stating that they would not accept the payments due to not being the full amount, although those were the total balances reporting to my credit report. Followed up with a supervisor who then told me the actual amount has increased to XXXX dollars in full. He also told me submitting a total of {$620.00} would settle the accounts although he just stated they do not take settlements. My credit report that was pulled on XXXX/2016 is reporting separate balances of {$150.00}, {$110.00}, {$56.00}, and {$56.00}. In the settlement offer letter submitted i stated if they do not accept the payment to submit the money orders/payments directly to me which they have not done. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a cosigner, when I told the company they harass with calls they said they can call me up to 8 times a day. I am receiving these calls while I am working.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Credit determination

Complaint: We were denied credit and the bank said there is an American Express collection on our credit reports. There are XXXX account numbers listed for XXXX collection. We made another complaint and the response had NOTHING to do with our request. Please publish this issue as its unacceptable to not respond correctly. We are currently seeking other avenues to complain as well. We need either a XXXX or a payoff to remedy this debt. American Express can not ignore, legally, this request. Numerous calls to American Express have been futile as their call center is in XXXX and they can not pull up information or send information needed. We have also emailed the corporate office and will make a complaint with the department of corporations as that office has not responded. Calls to the corporate office are also futile. The XXXX account numbers end in XXXX and XXXX. Not sure what this means? This is affecting our ability to borrow money and the fact that American Express does not respond appropriately is not allowed by law as we have requested via phone and email and will send a letter today to their corporate office so also by mail as of XX/XX/XXXX ( today ) a response that is valid to satisfy this debt on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: APR or interest rate

Complaint: I have a XXXX Capital One Credit Card with a {$7500.00} cash advance limit and recently got XXXX checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out XXXX checks up to {$7500.00} and not pay interest on that {$7500.00} for 12 months! Only catch - the checks have to post by XXXX/XXXX/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for XXXX shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let say I had a {$0.00} balance on my card and never used it again during these next 12 months and only owed the {$7500.00} cash advance from the promotional check - all fine an dandy! I would have 12 months interest free to pay off the {$7500.00}! BUT, lets say I did grocery shopping and made an additional {$150.00} purchase after the check has posted to my account ... ... The new purchase would NOT have the 12 month period and would have the regular APR of 23 %. If I were to pay the {$150.00} at the end of the month to pay off the new purchases in full, it would automatically deduct {$150.00} from the {$7500.00} cash advance I took and NOT the new purchases. Meaning, all new purchases would be hit with a 23 % APR until the {$7500.00} cash advance was paid first ... ..If you understand the math this could be devastating if you did n't catch this in time and continue to make purchases on your CC ... You always hear about how Banks are shady but this is truly disgusting - baiting people into a financial trap knowing XXXX well it will be too late once they realize that they got themselves into.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with DISCOVER BANK (UT).
Issue: Closing/Cancelling account

Complaint: I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it shows my former wife is liable for the balance when in fact she is not. How can this be acceptable under the Fair Credit Reporting Act where it requires creditors to report accurate information? If my ex-wife is legally not responsible for the debt, then why can Discover, and other creditors, continue to report it as such?

Company response to consumer: Closed with explanation