milesbutler/consumer_complaints huggingface dataset:
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: My personal information was improperly stored on Equifax and compromised when a security breach occurred between XXXX and XXXX 2017. I obtained my Equifax credit report via XXXX and discovered it was linked to another individual 's identity. I believe my identity could be stolen, which would negatively impact my credit score, financial trustworthiness, and personal health.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovative Collections, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wrong information and when calling them very rude, threatening to take me to court and mess credit report. Explained I have fraud alert on account this info is inaccurate and false of the debt owed. I have disputed and need off all three bureaus

Company response to consumer: Untimely response
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a threatening letter from Atlantic Credit and finance incorporated threatening to sue for debt if I do not contact or pay. For one, this company has never sent correspondence to me until now, two, I informed the person that called I am XXXX and have no way to pay as I am waiting on social security and have absolutely no income. This same alleged company has called my household multiple times with blocked caller or unknown caller on caller ID and immediately ask for social security number. I do not give this information over the phone to random callers. 

This letter was received via XXXX today XX/XX/XXXX and demands payment or contacting a number they give but never answer by XX/XX/XXXX or  they will hire an attorney to sue. As I said, I have informed them in the past I am XXXX, I can not work and I have absolutely XXXX income until my social security XXXX is approved.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the New Law effective XXXX XXXX, 2017, any public record data must include name and address as well as SSN or D.O.B in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be 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
Consumer complaint received 04/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In XX/XX/XXXX ( around XXXX/XXXX/15 ) I called Navient and requested 30-day loan payoff letters for XXXX of my private loans. I needed these letters to complete a pre-approved loan consolidation application with a credit union. On XXXX/XXXX/15 I received these forms online, but there was a big error in one of the payoff amounts - rather than approximately {$4300.00} the letter showed {$43000.00}. The other XXXX letters were correct as far as I know. I called Navient back around XXXX/XXXX/15, informed them of the error and requested a corrected copy of that letter, in addition to new payoff letters for all of my private loans. These were promised to me within 24-48 hours. I still did not have the letters on XXXX/XXXX/15, so I called them back, having a lengthy conversation ( XXXX+ ) with a representative, then her supervisor, explaining the above. They promised a payoff letter for each of my loans within the next 24-48 hours. It is currently XXXX/XXXX/15 and I have not received them yet. 
Here are my concerns : I 'm concerned about the accuracy of the loan payoff amounts on the letters. 
I 've spent a considerable amount of time corresponding with Navient to resolve this. 
While I wait for the letters, interest continues to accrue on my loans - a higher rate than what would accrue if the loans were consolidated, which I can not do until I have the letters. 
If I do n't submit these letters to the credit union for my consolidation application within a certain time frame, they 'll cancel my application, causing me to start over from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried accessing my experian credit report online to view it to see if the incorrect information reporting has been corrected. Report # XXXX. I received a message they were unable to honor my request to view my report. There is suppose to be unlimited online access to view your report but experian will not allow me to. I am submitting this complaint because I want to see what is reporting on my credit file. I am trying to obtain a mortgage and with all these errors on my report is affecting my score in a negative way.

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 08-11-2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have responded and sent out dispute letters to company Ability Recovery Service for XXXX College. XXXX College stating that I owe them {$1300.00} in payments for classes that I never attended. I was a victim of identity theft and have present an police report to the credit bureaus to put on my file. They have my phone number and mailing address that they are sending this information to and I have not done any business with them. I have explain in my letter to Ability Recovery Service collection agency that I do n't owe the money for this debt. Per the collection agency XXXX College wants me to call them and explain the situation to them, but I sent dispute letters to them and the credit bureau to get this collection debt off all three credit bureau and I have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged bank acct wrong day or amt

Complaint: Initially I thought that the flex loan through Advanced Financial was exactly what I needed at the moment. After having always made my payments on time for well over a year. Last month they charged me twice causing me to default on XXXX other accounts as well as overdraw my bank account. I have paid the principal off multiple times over. This cost me a lot of problems and a lot of money. I have never made a late payment on anything. I spoke with them they said they could not refund the money but that they would defer the interest. They did not. I spoke with him several times and what they said was the corporate office. No one knew anything about it. Then they tried to take money from my bank and my credit card. Accounts that had been used for a one-time-only payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Everything on my credit report is not me. Someone keeps getting loans and mortgages out on my credit and I do n't know how to stop them so I can actually use my credit MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My monthly payment recently increased ( almost doubled ) and unfortunately, I did not realize as I have the payment set to pay automatically each month. I made payments each month - just not the new amount evidently. Navient called me to tell me that my account was past due and that the late payments had been reported to the credit bureau. When I inquired as to why the monthly payment had changed, I was told that I had XXXX loan that had not been included in my consolidation, and that that loan had been in forbearance ( I did n't realize I had any loans in forbearance ). I was then told that the new payment now included my consolidated loans plus the loan that had been in forbearance which was now due. I requested paperwork to re-consolidate my loans, but after looking through additional paperwork that I had on file, it appears that I am on a graduated repayment plan. I called Navient again to try to figure the situation out, and the representative was not helpful at all - she told me to go to the XXXX website. So I still do not know if I have a loan that was not consolidated, or if my payment increased because of a graduated payment plan. I feel that if I had had a loan in forbearance, that I should have known about it ; that if I was on a graduated repayment plan that I should have been told ahead of time that my payment would soon be increasing ; and if I made my payments on time although not the proper amount, that it should not have been reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 time s explaining the info is inaccurate.   XXXX    constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

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 05/18/2017 about Debt collection (Payday loan debt) with Chaplain Financial Services LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted several times from a company claiming that I owe a  cash advance loa n in the amount of {$3300.00}. They have contacted my home and place of employment even after I have requested that they cease. The company representatives have threatened to place a lien on my home, have me served at work and my pay garnished. When I contacted them at  XXXX ,  XXXX   XXXX  as they request, they will not provide me with any information unless I verify the  last four digits  on my social security number and other personal information, which I refuse to do, after which they hang up on me. I have never tak en a cash advance loan, so I know the loan is not mine, however they will not stop con tacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The student loan is with Navient. 18 months ago- in XXXX XXXX  2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion XXXX XXXX to let them know I was a victim of their inquiry issue. The customer service representative would not help and take care of the negative inquiries reporting to my credit report. The credit inquiries are as listed 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX/XXXX/XXXX 5. XXXX XXXX/XXXX/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 explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA and  HIPAA by  not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the compa ny. If Collection Service of Athens does not have any documentation, they need to remove this from my  credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to a college for  two  weeks, and I still get payments that the admistrator advised me that the payments would stop

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MS).
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: I contacted XXXX XXXX regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: Please realize that this is NOT a duplicate request. My loan servicing agent is NOT adhering to my HAMP modification. 

In XXXX, entered into a HAMP modification with XXXX Mortgage. Part of the modification includes a Borrower Incentive of {$1000.00} to be credited towards my principal balance annually as long as the mortgage never becomes 90-days delinquent. ( My mortgage payments have never been marked as later since entering into the modification. ) My loan servicing agent has changed from XXXX Mortgage to XXXX and finally to Fay Servicing. This borrower incentive has always been credited to my account on XXXX XXXX in XXXX, XXXX and XXXX when with XXXX and XXXX XXXX. My loan was transferred to Fay Servicing in early XXXX and I have not received that borrower incentive as of yet. I was originally told that it was due to an issue with the transfer to Fay Servicing and the Fed but that it had been corrected in early XXXX. They have credited my account {$830.00}, not the contractually required {$1000.00}. I have tried to communicate with my account manager XXXX XXXX at Fay Servicing in writing via email but have not received any communication back. 

I am requesting assistance in getting the remainder of the contractually obligated borrower incentive credited to my account and backdated to XXXX/XXXX/XXXX so that I am not accruing interest on that principal. 

Today, we are 149 days past the date this credit was due. As a homeowner, if I was & gt ; 120 days late, Fay Servicing may have already started foreclosure proceedings. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in 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 monetary relief
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested validation several times and yet to receive anything except for a collection notice

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 09/14/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collector CMRE Financial Services and XXXX XXXX XXXX. Their practices of harassment and are met with antagonistic and unlawful procedures! Do n't go to XXXX XXXX Hospital as their billing practices are harassment and borderline unlawful. I went in for a covered procedure surgery with prior authorization. Even with Medi-CAL coverage they will pressure you to pay all before leaving. I have received a collection notice and called them and said I just spoke to Medi-CAL and they are processing the bill, and here is their contact information. Besides being met with an antagonist harassing person ( she said her name was XXXX ), she asked if the number I was calling from was my cell phone. Fearing a trick to acknowledge my number, I hesitated, but remembered I 'm on the " Do Not Call '' list and they cant call for collections as I have only a certain amount of minutes. She said she could n't go any further without my answer, and since I wanted them notified of the bill being processed, I confirmed. She then asked me if it was ok to call this number for collections. I said, ABSOLUTELY NOT! Within 1/2 hour of hanging up I 've been receiving multiple collection calls on this account! Sometimes using a different name ironically. Up to this point I have n't received XXXX call from any collection services. Ironic? .. or do they pass the number along so they can skirt the law. Besides the terrible billing practices of XXXX XXXX HOSPITAL, I would n't recommend ANYONE going there. This is an obvious collection svc for the XXXX department. The bill is not unpaid, as the billing is still going through Medi-CAL but that does n't stop the harassment by both XXXX XXXX Hospital and CMRE Financial Svc 's and XXXX XXXX XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a letter from Green Tree Servicing that my mortgage is entitled for forgiveness. Since I have been calling them, only to hear that they are still working on the lien release. When I called them today, this guy told me that it was n't forgiven and that it is on my best interest to start making payments on the loan, to be able to keep the house. This loan is discharged in bankruptcy and this guy was really pressuring me to make payments.

Company response to consumer: Closed with explanation