milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe 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 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, Transunion, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

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 07-12-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I understand that must repay the loan ( s ). My issue is the monthly amount that I have to pay. I had to take XXXX loans from my 401k to finish paying for my degree as the amount of Federal Aid did not cover XXXX %. The problem is that I am not able to pay the full amount each month because the 401k loan automatically comes out of my check each week. I have been making payments towards my student loans even before they were officially due. In the future, I will be able to pay more towards my student loans once my 401k loan is paid back. I simply do not make enough money to pay the requested amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number:XXXX Account name : XXXX . Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXXAccount Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX . Account name : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried freezing my credit with Experian out of fear of the recent XXXX security breech a couple of months ago. However, Experian was telling me the information I was providing them was incorrect, when it definitely was not. This got me worried that I might have bad information about me out there, so I wanted to see my credit report from Experian. However, they will not let me access it.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive reached out to all three ( TransUnion, XXXX, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.

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 02/19/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date. 
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen. 

I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.

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 03/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has over billed my account on student loans. I have been paying since XX/XX/2006. They have collected from me years that was incorrectly applied and/or overcharged my for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Payoff process

Complaint: I got a phone call from XXXX round lp regarding my debt to Synchrony bank FKA GE capital. when I asked for original debtor information in writing I was told they would not provide that. Now they have turned me over to an attorney for lawsuit. And continue to harass me about payment, up to and including threatening myself. I wish to have my total debt amount in writing so I can make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Other debt) with Phoenix Management Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: BACK ON XXXX OF 2015, XXXX XXXX COMPANY PLACED A COLLECTION ON MY REPORT IN THE AMOUNT OF {$5300.00}, THE COLLECTION AGENCY IS PHX MGMT SOL, AND I DIDNT OWED THEM ANYTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I logged into credit XXXX to get my free credit score and when I did I discovered that there are debts on there that are not mine are that is already paid so I called Equifax they would n't help me they tried to charge me to answer my questions I tried to log into their site I could n't log in because there were questions on there that I could n't answer about a home loan and a car loan that I have never had I 've never bought a car or house also they say I have opening credit cards and Retail credit cards and I do not they say I have a {$23000.00} debt from the hospital which should have been paid by Georgia Medicaid which I was covered under at the time what do I need to do about my credit report I can not get any help anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is still on my credit report and they have sent me a letter months ago saying they were going to remove it. I am in the process of retaining my lawyer to take Experian to court but I do not want to drag XXXX XXXX into this since their investigation did find the account fraudulent. Contact them and they will tell 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 non-monetary relief
Consumer complaint received 03/29/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Credit decision / Underwriting

Complaint: Last year, I had some water damage occur to my home, so I filed a homeowner 's insurance claim with XXXX XXXX. XXXX XXXX sent me a check for the funds needed for the repairs and the check was made out to me as well as my mortgage company, Carrington Mortgage Services, since the check was well over {$10000.00}. Carrington released some of the funds last summer, but they are still holding nearly {$5000.00} that they are not releasing to me. I have been trying to get them to release these funds to me for nearly 2 months so that I can pay off my contractor, yet they keep giving me a run around about having an inspector contact me, which has NEVER happened. I finally got fed up today and e-mailed the CEO of Carrington Mortgage Service, XXXX XXXX, and explained the situation and demand that my money that they are holding hostage be released immediately. About an hour later, I got a reply from XXXX XXXX, which I am 100 % sure was not intended for me as it was addressed to someone named XXXX. This is what the email said : " XXXX - This XXXX has been pestering us for at least a year that I can remember, I ca n't even sort out all of the details of what she is referring to any longer. Let 's do XXXX things here - solve whatever the current issue is asap and then get XXXX to offer her a streamline refi at what ever rate will incent her to refinance quickly, then sell the loan on a released basis into the market so that we are no longer dealing with her. Please let me know your thoughts. 

XXXX '' First of all, he called me an XXXX!!! Secondly, I have NO idea what he means by I have been " pestering '' him for a year as this is the very first time I contacted him. Thirdly, what he is trying to do to me is illegal. I have also filed a complaint at the state level ( Maine ). Also, below where it asks " which part of the mortgage process is your issue related to? ", this situation does not apply to any of the available options, so I just checked the option for " receiving a credit offer '' since I had no idea which XXXX to select since none of them apply to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have requested several times for Diversified Consultants to valid the debt they 've listed on my credit report in the amount of {$600.00}. Per the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. The company have not sent me a signed contract with my signature on it. The only documents that was mailed to me was a fraud form from XXXX. By law the company has to validate the debt with the original documents or have the information removed from all reporting credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: On  XXXX / XXXX / 2011  the second mortgage on my home was cancelled but the loan company never filed a Deed of Reconveyance. I am trying to sell my home now, but the cancelled loan is still showing up on the title report.     I have contacted the loan company by phone multiple times, sent in a request via  XXXX   XXXX   XXXX , faxed in request letters, and even faxed a letter from an attorney - but the loan company refuses to give me something in writing that the loan was forgiven and does not exist any more.     I can not sell my home until I have something in writing from this loan company. The buyer I had has terminated the sale due to there not being clear title to this home and now I have an empty house that I can not sell.

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 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hosto & Buchan, PLLC (AR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with Messerli & Kramer P.A. (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I've recently received a letter with an enclosed Notice to Judgement Debtor along with a Summons and Order of Garnishment. This letter is coming from a company named Messerli/Kramer & states that the Original Creditor is XXXX XXXX XXXX XXXX. I am unfamiliar with this bank as I have lived in NE my entire life. I personally have not had any loans, credit cards, etc for well over 10 years. I have no knowledge as to what this is all about and am asking that something be done regarding this. I just recently started working after our youngest got into school full time, but I am only working a part-time substitute position. My parents receive harassing phone calls for me, which I am assuming is from this Messerli/Kramer as well. With regards to this XXXX XXXX XXXX XXXX, I have been doing some research on them and have found that there had been a lot of fraudulent activity happening within their organization. Messerli/Kramer has been causing Hard & Soft inquiries to my credit, which I have finally started to get improved over the years after filing bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WY).
Issue: Managing the loan or lease

Complaint: I paid off my vehicle loan thru GM Financial on XXXX XXXX, XXXX. I still have not received the lien release, so I called today and got the run around. They show a letter was mailed out on XXXX XXXX, XXXX. However I never received the letter. They refuse to send out another lien release, instead they are blaming the snow ( seriously, XXXX times they blamed the snow, which came AFTER the letter was mailed. Snow has magic powers on the XXXX apparently ). I had to demand repeatedly to speak to a supervisor, and she directs me to a website GM runs that I can request the letter for a {$23.00} fee. That lien release is required in their contract with me, and yet they are first giving me the run around and then when I do n't just hang up and go away, they instead try to shake me down for more money. They spent the life of the lease shaking me down for additional fees for everything from making payments to getting copies of the title faxed to attorneys to getting to talk to a live person about my account balance not being correct. Now they will not provide me with that lien release unless I pay an additional {$23.00}. I have no other recourse as I have to have that letter in order to get my copy of the title. I want my lien released, I want my proof of that lien release, and I am not paying GM Financial another cent for them to do what they are required by law to do.

Company response to consumer: Closed with non-monetary relief