milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I requested my credit report thru annual credit report. After filling out the info and answering the security questions, TransUnion 's report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with Penn Credit Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company Penn Credit Corporation calling repeatedly in attempt to collect from a deceased relative that NEVER lived at this address or phone number. Refuses to explain how they got this phone number and refuses to stop calling, asks for the phone number dialed, even though they dialed the number. Employees are rude and obnoxious in behavior and calls are originally Robo calls followed by a live person. I have told them repeatedly that this person is deceased for approx. 10 years but they refuse to take action to cease and desist. This is obviously a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am on XXXX for XXXX I have been trying to work with nagvientXXXX. I have sent in paperwork to try to get my student loans forgiving. Now I am in default. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Since 2009, I have received student loans and have them serviced by Navient. Since them I have struggled to pay the payments on time. Calling Navient and requesting help is a waste of time. I have requested forbearance, IBR plans, etc and have only run into one person who actually allowed me to do it with one loan. Otherwise, apparently I am not eligible for no specific reason.
After reading about the recent CFPB complaints, they sound very similar to my experience with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just checked my credit history and there is a fraudulant charge from XXXX XXXX. I called XXXX countless times over approximately a 6 month period in the hope of getting help because my XXXX had been hacked. Each time I asked them to note my account that I called and what the problem was. I usually keep my bills on auto pay, as was this account, until I started seeing charges double or more of what I owed. I talked to the fraud dept. at XXXX 3 times, yet nobody opened a case. I talked to customer service about the issue and asked to speak to a manager several times, and every time I was told there was n't a manager available, but they would have XXXX call me. Nobody ever called me or tried to help at all. I finally called and told them to take the account off auto pay since nobody there cared to fix the problem. I have had service with XXXX for many years and I always had them on auto pay so there was never a late payment. I never pay any of my bills late. I literally spent hours and hours on the phone over the course of several months trying to get someone there to care enough to help. I do not owe them any money and am disputing that any negative information on my account is incorrect. Thanks to their lack of caring or helping, they lost a very long time customer for good. Please tell me what to do to get XXXX and a balance I do n't owe off my credit records. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Credit card) with EXPERT GLOBAL SOLUTIONS, INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive XXXX to XXXX calls per day from this company in a day - they are a collection agency - NCO Group - I have asked repeatedly to put everything in writing - and still have yet to receive any documentation. The calls start early morning and last till late at night, XXXX through XXXX. 
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Case # XXXX I have been trying to get this matter resolved for over a year to no avail they claim that I have not paid the mortgage, yet they have accepted online bank payments and cashed checks, Then sent delinquency notices for the months that they cashed the checks for. they have repeatedly returned payments and I sent them back. 
There are payments that they did not return nor have been applied. 
They make collection calls yet it is a different person each time and they do not have my full account information. Many time it is very hard to understand them. 
They have falsely reported to the credit bureaus and HUD that I am not making payments. 
..

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: Wells Fargo Financial National Bank charged me XXXX in interest on a loan that was to be a promotion. I made payments for 6 months on this loan and was charged monthly interest and yet was charged from the time I originally got the loan. So Wells Fargo is charging me double interest on this loan, as a penalty. It is unfair that they are doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a collection with Equifax and they denied the dispute. The collection is for a hospital in Wyoming, and I have never been to a hospital there. I disputed the collection with XXXX and they removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with Senex Services Corp. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Around XX/XX/XXXX I asked for verification for Senex Services reporting on my credit. First of all it took more than 30 days for the credit bureaus to even respond to me. When I contacted them they told me that they verified the information with Senex services and that they were within the law to report what they had on my credit bureau. Well Senex Services sends me a letter that is in violation of my XXXX rights and its illegal for the credit bureaus to even be reporting Senex Services on my file.If in fact the attached is what was sent to ALL 3 credit bereaus..XXXX, XXXX andcXXXX. I demand that Senex Services removes this from all three credit bureaus immediately.my medical information was NOT TO BE shared with a 3rd party nor these 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Taking out the loan or lease

Complaint: XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct. 

Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees. 

Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I became aware that I was apparently a victim of identity theft. I have filed multiple cases for both the individual creditor 's and all XXXX credit reporting companies one of which was Experian. As of this morning, there are still ( XXXX ) accounts and ( XXXX ) previous addresses associated with these accounts that are still reporting on my credit file. While I have mailed, uploaded my identification documents and even faxed my documents to the Fraud department for Experian, as of yesterday I am still being told from the Experian Fraud department that they need to have my identification to properly dispute these final items. I have spoken to these ( XXXX ) creditor 's and they have all assured me that my information does not match the information they have on file for these accounts and that I should dispute these accounts with all XXXX reporting companies. At this juncture, I have already have these accounts removed from XXXX and XXXX and am trying again to have Experian dispute these as fraudulent in hopes that it will finally be removed from my file. Please take the necessary steps to re-dispute these accounts along with the personal information associated accordingly.

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 12/19/2016 about Debt collection (Credit card) with Alliance Data Card Services (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2015 I filed a XXXX complaint against XXXX XXXX ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice XX/XX/XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( XX/XX/XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint XX/XX/XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point XXXX XXXX has caused so many problems with my service connected anxiety and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (MI).
Issue: Managing the loan or lease

Complaint: I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Rewards

Complaint: RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Bank of America at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
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 non-monetary relief
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with BARCLAYS BANK DELAWARE (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Insurance companies and some banks including Time Shares, WILL NOT issue a receipt of payment, they required us to sign up for automatic payments, but will not notify us with a receipt of payment when the withdraw a payment. They will give us an option to go paperless but will not give us the option to receive a receipt of payment with a confirmation. Some of my check / credit card accounts are 3 to 6 weeks before I see the withdrawal.

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 05-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: On  XXXX  I applied for, and was offered a loan for {$1500.00}. The truth-in-lending disclosure that was presented online, and then was verified again when I was contacted by phone by an agent, offered payments of approximately {$150.00} on each of my paydays. ( I say approximately because it was {$150.00} and some change, but less than {$150.00 } ).      The first payment was debited on  XXXX  in the amount of {$330.00}. I accessed my account online to find that this amount was the standard payment amount which would be debited on each of my paydays, and not the {$150.00} that I was quoted.     On  XXXX  I sent an email to their customer service address listed on the website explaining my situation and asking them to provide proof of the truth-in-lending disclosure that purported the {$330.00} payment amounts and a transcript of the recorded phone call between myself and the agent. I feel that a review of that phone call will show that I was not quoted the {$330.00} payment amount, but instead the {$150.00} amount.     I received no communication from the company after the  XXXX  email and sent another email requesting the same information today (  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUMMIT FINANCIAL CORP (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with Affiliated Management Services (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have a knowledge of owing any debts. I was not called or mailed a letter to verify any amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with Conn's, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In the last XXXX months, Nationstar has incorrectly applied 2 of my 4 mortgage payments. Instead of applying my payments as directed, they have simply taken the whole amount and applied to principal only, essentially forcing me to make a secondary mortgage payment for the SAME month. The first time this happened was for the XXXX XXXX payment. I paid it early, XX/XX/XXXX, in an attempt to budget for XXXX, holidays, etc. Upon discovering it, I believed that somehow it was my mistake and that I paid XXXX XXXX 's payment too early ( i.e. in XXXX instead of XX/XX/XXXX ) so I did not investigate the matter further at that time. However, this has happened again for the XXXX XXXX payment. On XXXX XXXX XXXX, I paid XXXX XXXX payment which was processed correctly. Per statement dated XXXX XXXX the next payment was due on XXXX XXXX XXXX. On XXXX XXXX XXXX, I paid XXXX XXXX payment. This payment was not applied as directed. On XXXX XXXX XXXX, I was attempting to pay XXXX XXXX payment but discovered that according to Nationstar my XXXX payment was outstanding and overdue. Therefore my intended XXXX XXXX XXXX payment was accepted and applied to XXXX XXXX, i.e. Nationstar demanded payment for XXXX XXXX XXXX mortgage in XXXX consecutive month statements. This is an unacceptable violation of the Homeowners Protection Act to be billed TWICE. I have all the back-up for the statement dates and the payment allocations which were not done as indicated. There is absolutely no mistake on what I was making payment for or where I was allocating the monies so their practices are deceptive and fraudulent. It appears as though Nationstar is illegally trying to effect payment default on my loan to begin loan modification processes. I have contacted Nationstar, specifically XXXX XXXX, to correct the matter but to date, they have refused to comply and also refused to provide information of Department Manager so that I may escalate the urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have recently paid of my loan to Sallie Mae. In the process of doing so I ended up with a credit. I called to receive my credit and have my account closed. I was told that it had to go through a billing cycle and the check would be mailed and account closed at that time. They told me it would be in the beginning of XXXX. It is now XXXX and I have not received the check, nor has the account been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending.

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