milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loans went into default with the Department of Education. TransWorld began a garnishment on my checks. THis garnishment continued for 3 years until I set up a rehabilitation contract with them. For 6 months I was to pay an extra XXXX a month along with the garnishment of XXXX. Once these 6 months were over, they would stop the garnishments. XX/XX/XXXX should have been the final garnishment from my checks. However, the garnishments have continued. I have attempted to call the Department of Education but their automated system gives me the number to call TransWorld since my loans are in collections. I call TransWorld and get a recording that they are no longer running due to the federal govertnment filing a lawsuit against them. Not only did I complete my rehabilitation promise, I have also consolidated all my student loans with XXXX. My first payment with XXXX is due this month but I am unable to pay it because my check is still being garnished. I have done what I need to do to no avail. Where is this money from my check going? I have all my loans in one place and the payment did not go there. How do I get this stopped and get my money put on my real student loans?

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The company is Sears credit card service.I initaited a purchse to a company called XXXX XXXX to a XXXX XXXX XXXX for service with my idea I paid {$100.00} on XX/XX/XXXX and than {$590.00} on XX/XX/XXXX. According to the contract, I had 3 days to cancel my contract and get a full refund. I decided I did not want the service and felt uncomfortable with there service and called within 3 days and asked for a refund on XX/XX/XXXX I sent out an email and called no answer so I also left a message I contacted Sears credit card service because I used the credit card to pay for the service and they tried to contact the merchant as will after not receiving a response they issued me a temporary credit. About two months later Sears credit card company reversed the credit and charged it to me for lack of information. I then sent them the receipt and email attempting to contact the merchant by fax and email. Sears stated they never got my email and than they are still saying they need more information from me after I sent them the fax and all the necessary docments. I would like my credit back on my account I hope you can help thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX : Request for investigation to correct my Credit Report Penny Mac USA Loan # XXXX To whom it may concern : Two years ago I borrowed money from Penny Mac USA as a Co-Borrow. Last week I discovered that during the last 24 months, payments were not made timely and several payments had not been made at all. 

On XXXX XXXX, XXXX I was denied a home equity loan with XXXX XXXX. That was a Red Flag to me as I " have not '' been denied a loan in the last 25 years. 

As a XXXX I have spent my entire life protecting my credit. ( EXHIBIT A - See attached XXXX FICO score from XX/XX/XXXX at which time it was XXXX ) This has been hanging in my office for nearly XXXX years. 

I pulled my XXXX credit report. ( EXHIBIT B - See Attached ) Note that every debt without exception says NEVER LATE, with XXXX exception - Penny Mac USA. 

On Friday XXXX XXXX I immediately mailed a Cashier 's Check in the amount of {$7000.00} to bring this loan current. ( EXHIBIT C - see attached ) In the banking industry when a loan is delinquent or past due, " Best Practices '' would dictate notifying all " Co-borrowers '' if the situation was not immediately resolved by the primary borrower. 


According to the Bureau of Consumer Financial Protection, Regulation X, 7. Early Intervention with delinquent borrowers ( XXXX RESPA Servicing Final Rule. ) " Servicers must establish or make good faith efforts to establish live contact with borrowers by the 36th day of their delinquency and promptly inform such borrowers, where appropriate, that loss mitigation options may be available. '' Please note that this final rule does not say only contact with the primary borrower, it says " borrowers ''. Plural - BORROWERS The purpose of this letter is to inform you that I consider PennyMacUSA 's servicing ( handling ) of the above referenced loan has been GROSSLY NEGLIGENT PennyMacUSA " NEVER ONCE '' contacted me as the co-borrower regarding any late or delinquent payments. Not one phone call, Email or letter was ever sent to me, yet the delinquency was continuously unfairly reported to the credit agencies. 

I have made multiple ( seven phone calls ) to PennyMacUSA and they tell me they MAY have a policy ( protocol ) issue as it relates to contacting co-borrows but say they can do nothing to help me fix this situation. 

I am not sure what can be done at this point to my credit, but anything that I can do to assist you in helping me restore my credit would be greatly appreciated. 

Please feel free to call me on my Mobile ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved from my hom e  XX/XX/XXXX  I  contacted  XXXX  to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX  . T hey explained to me that my deposit would cover my last bill. So around  XX/XX/XXXX  I noti ced they put a charge off on my report under all  XXXX  bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX  and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact  XXXX  which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''

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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have multiple cards with capital one. Their automatic payments was taking out amounts I did not approve. I asked my due date to be changes several times, I was told it would be successful but never way. I don't know of any other credit card that has a due date at the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on.

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 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Non-federal student loan) with Immediate Credit Recovery (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, Immediate Credit Recovery , Inc. sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, Immediate Credit Recovery , Inc. did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls repeatedly from different phone numbers within minutes of each other.    XXXX    XXXX   -  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  - blocked number  XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   -  XXXX  They continue to call numerous times a day asking me to verify personal/secured information before telling me who they are or what they are calling about. I have explained when my pay day is and when I would be submitting payment and to stop calling until that day but they continue to call. I have requested they mail me the information and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with Quality Asset Recovery LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am a XXXX % XXXX veteran. In XX/XX/XXXX I was injured during a tactical confrontation in XXXX XXXX. In XX/XX/XXXX, I was referred from the XXXX XXXX in XXXX XXXX XXXX Florida, by my primary care physician to see the doctor outside of the XXXX XXXX. The specialist was for XXXX  XXXX XXXX and XXXX XXXX. The XXXX XXXX contacted the office, they had discussed payment with the outside care provider and they agreed to take me on as a patient. Shortly after my visit to that office, the clerk who worked at their reception desk attempted to collect the fees for their tests directly from me. I had already provided all the pertinent details about payment. It was to be handled directly with the XXXX XXXX, not by myself. As XXXX % XXXX with the VA for combat injuries sustained while XXXX in defense of out great XXXX. The doctors office continued to harass my wife and myself for payment. I had gone to the XXXX XXXX  with a copy of their bill and they had agreed to get in touch with the doctors office and handle they payment they so feverishly attempted to collect from me even after all the proper insured and va documents were provided. I had be reassured this debt was not mine to pay by the VA and their patient advocate. Years later and the debt has now been put into collections, it has been damaging my ability to buy a home for my wife and son, my family. It has disabled me from buying a family car, home, rentals and the like. This has been hanging above my head for a couple years now. I attempted directly through equifax credit agency to dispute this debt owed by the VA hospital to no avail. The debt is not mine to pay yet I 've been paying for it for years because my family can not use our credit to acquire a home or a car. The dollar amount is not mine to pay, {$260.00}. I have been retired from military service and receive a fixed income as a XXXX % XXXX veteran. I can not afford to spend the money that is n't even mine to pay. This has been a losing battle no matter what I have tried to get this debt extinguished. Please help me get this shut down. I really need to do better for my family and having this derrogitory mark on my record is the only thing currently holding me back from being the provider and husband I need to be.

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 10/20/2016 about Debt collection (Mortgage) with Fein, Such, Kahn & Shepard, P.C. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fein Such and Crane debt collection attorneys are trying to foreclose on my home illegally. They have not provided any copies I have repeatedly requested over the past 6 going on 7 yrs they have filed papers foreclosing with XXXX XXXX XXXX as owning the note which they dont. They have failed to produce the note as requested

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC is violating FCRA by willfully and negligently reporting inaccurate information to the credit bureaus despite communications to me promising itd be removed. After sending Enhanced Recovery Company ( ERC ) a request for debt validation, I received a letter back from ERC dated XXXX/XXXX/XXXX stating that they were no longer reporting this debt and that they had sent notice to all XXXX credit bureaus notifying them it should be removed. 30 days later, ERC validated this debt on XXXX/XXXX/XXXX to XXXX and XXXX so my credit report says my most recent late payment was 5 months ago. This appears to be a time-barred cell phone debt from XX/XX/XXXX, BUT the main problem is that ERC sent me a letter saying they were no longer reporting it to the bureaus, but continue to report it. This is negatively impacting my score and is affecting my ability to get HOUSING and an auto loan. I 've made MULTIPLE attempts to dispute.

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 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a negative trade-line with TransunionXXXX. I contacted XXXX, XXXX and requested this XXXX to validate this account on XXXX/XXXX/2015. The person that answered the call was very uncooperative and stated that this information would stay on my credit report until I paid in full the account. I requested XXXX, XXXX to validate the account and to submit documentation and was given the run around. To this date this XXXX has not validated the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I have a credit card with Chase Bank, and I received a letter yesterday ( XXXX XXXX, 2017 ) presumably from Chase Bank. The letter is dated XXXX XXXX, 2017. 

Yesterday evening, I called the number listed on the letter because I wanted to know more about the matter the letter speaks of. The letter states that someone other than the primary card member tried to get information about my account, but the letter does n't provide any more specifics about who tried to access my account. So, I called to follow up for security purposes. 

When I called the number, it sounded like the Chase automated system. It asked for the last four digits of my account number ( I just provided the account numbers listed on the letter ), and then, it provided me an overview of my existing credit limit ( which sounded somewhat accurate ). I was then directed to a female customer service representative who listened to my inquiry, and then, she directed me to the " financial services fraud team. '' I spoke with a man named XXXX, and he gave me his employee identification number. He then asked me for my date of birth, my mother 's maiden name, and the last four digits of my social security. When I provided the information, he said the information was n't correct, and he asked me to repeat the information. When it did n't work again, he asked me to repeat it. I became frustrated with having to repeat myself, and he said that he just needed to verify my account security questions before we could proceed. I started to become concerned this was a scam so I hung up. 

I called the number listed on my Chase credit card to report the incident. The representative I spoke with said no letter was sent to me on or near the dates in question and that the number the letter provides is not a Chase number. The representative also told me that the account number was not my credit card account number. The representative told me my account has not ( yet ) been compromised and asked me to email a copy of the letter, which I did today ( XXXX XXXX, XXXX ). 

I submitted a fraud complaint with the FTC as well ( Reference No. XXXX ), and the FTC website indicated that I could also submit a request to the CFPB. ( I love XXXX. XXXX! ) I 'm happy to provide the CFPD with a copy of my letter and envelope to help resolve this investigation. I have dealt with the Chase Fraud Team before, and I am skeptical of their ability to promptly follow up on security fraud issues. 

I found this scam to be particularly alarming. I am used to receiving scams by phone, cellphones, or text ; I have never received a scam using letterhead of an official, nation-wide bank. It was very convincing. 

If you have any questions, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: O n  XX/XX/XXXX  I called Military Star to see w hy my online payment did not go through o n  XX/XX/XXXX  like I ha d made on the website. When I called on the   XX/XX/XXXX  and ta lked to someone to try to find out if it went through, the lady was rude, she asked mine and my husbands name, address, telephone numbers, checking account number, MY military star card number, and asked if I or we were both joint on our checking account. Then she put me on hold for  five mi nutes, When she returned she asked if my husband was here and he was not he was driving on his way home from out of state. I asked if there was a problem and stated that I was just trying to figure out if my payment had went through or if I did something wrong. She said her boss said as a  one tim e, courtesy they would give me the information I was needing just this  one time be cause on the online account it was only listed as my husbands name and not mine on the payment option on the website. She said the payment was set up to come out i n XX/XX/XXXX    and  not    XX/XX/XXXX .  So  it looks like I accidentally hit the wrong option for the date. I then asked her if I would just need to go back online and re submit the payment and correct the year and she said she could n't give me that information and asked if my husband was around again. I understand completely that they are just doing there jobs and they have all of the protocols they have to go through for proof, but she had asked me everything possible and seen that I was on the account as well and for me just simply wanting to know about if my payment went through or not.I should have not gotten this treatment and she should have not gone around in circles for just the simple information I was needing. This needs to be addressed and the company needs more training with their customer service skills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Government benefit card) with Comerica (AA).
Issue: Unexpected or other fees

Complaint: INVESTIGATE ILLEGAL TRANSACTIONS XXXX XXXX XXXX NOT RECIEVED HONEST DEPOSIT OR DEBT/ CREDIT FROM XXXX XXXX OR A HONEST ANSWER I WAS ILLEGALLY ENLISTED IN CONT USA XXXX HOWEVER IM ENLISTED IN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a letter in to Experian, to have some things disputed on my credit. Mind you this is not the first one that I have sent. I received a response from them stating that they will not reinvestigate some of the information. I find multiple problems with this one being that I never got proper validation from them proving that the alleged debt is mine!

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