milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX, EWS XXXX al i received my erroneous report today that still contained all the negative information, that XXXX XXXX JUST WROTE THE CFPB IT REMOVED. To address your prior lies, the dates you purport that XXXX XXXX surreptitiously deleted the account, XXXX states it was removed 5 months PRIOR.to that in fact the CFPB has proof of such, as a letter from XXXX XXXX dated XXXX XXXX, 2014 swore the accounts were removed. YOU ARBITRARILY REINSERTED THEM. YOU BROKE THE LAW.REMOVE ALL THE XXXX ACCOUNTS. AS YOU WERE INSTRUCTED TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.

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 09/19/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: Hello my name is XXXX XXXX we have a loan with caliber home loans we receive a letter about our r home that we were advised that we were 10 months behind we made every payment we have proof of all payments me and every payment was made we are now losing our home it 's been very embarrassing people coming over asking to buy her home I had to quit my job my housben works in New York and ihave stayed home to figure out what exactly is going on because I could not focus on my job please help us figure out what we need to be done we have payments every bank statements of every payment that 's been done my number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX went out of business years ago. I had an account with them in XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.

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 11/28/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX 2017, I received a phone call from XXXX XXXX XXXX XXXX stating that they had removed me from the Public Service Loan Forgiveness ( PSLF ) program without my permission after 5 years and 8 months of on-time payments. I filed a complaint with the Department of education whom just referred the matter to a Great Lakes representative. That representative said they had no records of me ever being in the PSLF and unless I provided proof, I was stuck. They said if I wanted to be placed in the PSLF it would restart the clock back to XXXX and I would have to pay for an additional 10 years. Shame on them! I re-contacted Dept. of Educ. and stated that no one has contacted me regarding this complaint. I have not spoken to anyone researching or investigating my complaint. They simply restated information received from Great Lakes as valid, which is far from the truth. The information stated by Great Lakes is not true and is fraudulent and is the basis of my complaint. I did not at anytime authorize or agree to be taken out of the PSLF program. I would never do that. Any information to the contrary is false. It is my opinion that Great Lakes is a dishonest, lying, crooked company, and their intention is not to help the consumer at all. Conversely they have done everything possible to drive me into default even though I have never missed a payment. They deceived me and told me I was not eligible for any other program, and that I could not have my loan serviced by anyone else, and I just had to cooperate and pay the new raised amount for the next 10 years. I have contacted Great Lakes multiple times with No success, No options provided, no sympathy, absolutely terrible customer service, rudeness, and straight up LIES! I will never do business with them again and I STRONGLY warn anyone else of the same. Especially Veterans and Federal Government workers, BEWARE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
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: I purchased some solar panels from a company called XXXX XXXX on XX/XX/17. Included in the total {$1000.00} charge was a separate line item for {$340.00} of shipping charges for the components. After the payment was made, the vendor and I agreed that, I myself would arrange and pay for the shipping and the vendor agreed to refund my {$340.00} in shipping charges. This never happened. I tried to email and call the vendor multiple times to no avail. I tried to dispute this with XXXX to no avail. So far Bank of America has also refused to credit me back the {$340.00} shipping charges even after multiple phone calls to them. I have provided much documentation to Bank of America to support my claim.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've disputed this collection debt multiple time through XXXX XXXX and also Experian. My latest dispute was with Experian X/2017 regarding a XXXX dollar amount debt. Each time it has came back verified without the proper proof of verification. XXXX XXXX has also failed to send me requested proof.

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 02-09-2018 about Debt collection (Credit card debt) with DISCOVER BANK (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My elderly father phone number was contacted he was told i owe Discover it scared him and Im embarrassed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: My account with Bank of America is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Transworld Systems, dated XX/XX/XXXX that I owed a balance of {$810.00} on a medical bill. I called them at XXXX to pay the balance in full. They were unable to locate me by name, account number, or Social Security number, even though I game them the information on their letter. My wife had me call back again that evening with the same results. The account has now been placed for collections. I do not mind paying the bill, but should not be penalized with this on my credit report for 7 year because of their ineptitude. My wife has tried to pay a similar account with them, with the same result, This company plays games, and report to collection agencies before accepting money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I called in to speak with a supervisor about my payments. I advised that I was going to make a {$50.00} payment online as well as a {$330.00} payment because there were no extra fees. I also stated that I was on a break and did n't want to be late going back. The representative was very rude and told me that I was very late behind, and I needed to pay after work. I called back when I got off at XXXX and spoke to another supervisor, and was told to just go online and set up my payments. I assured her that I would do so and I did right after our phone call. On Monday, XX/XX/XXXX I checked my vystar balance and saw that my account was overdrafted. I immediately called my bank and was told that GM Financial tried to withdraw {$330.00} plus a {$10.00} processing fee. I was so angry but worried as well because this was never authorized. I immediately called Gm Financial and spoke to a representative named XXXX, who informed me she would do all she could to help. XXXX placed me on a very long call and asked why did n't I just tell my bank that the payment was unauthorized. I explained that I did and XXXX stated that she would need to place me on hold and never came back on the line. GM Financial is a very unprofessional company my bank has waived all my fees but now I have to pay for a stop payment and that is not fair. I always have to ask for a supervisor and the attitudes are unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported onXX/XX/XXXX {$930.00} Reported on XX/XX/XXXX {$1300.00} Am a XXXX   at a XXXX XXXX XXXX XXXX XXXX NY I have full XXXX XXXX prescription cards no copays doctor visits free eye vision plus dental. 

Impossible no clue what this account about is a ( FRAUD ) I have been with XXXX XXXX XXXX XXXX   Building my credit XXXX Only account I have and working on paying is account with a negative status, pay-status is XXXX XXXX XXXX  for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with JNR Adjustment Company, Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX stated that I caused or ALLEDGELY caused some type of " property '' damage to a neighbor. I received a letter from XXXX XXXX XXXX in the mail on XX/XX/XXXX 
On XX/XX/XXXX I email XXXX XXXX XXXX regarding the claim to the email address they had on file " XXXX '' I email them on the following datesXX/XX/XXXX XX/XX/XXXX ( Twice )XX/XX/XXXX I received a letter from JNR Adjustment Company ( Debt Collector for XXXX XXXX XXXX ) onXX/XX/XXXX. I called JNR Adjustment Company on XX/XX/XXXX @ XXXX XXXX 
XX/XX/XXXX@ XXXX XXXX 
XX/XX/XXXX @ XXXX XXXX 
I did not receive a call back from the company, so I XXXX the company name and owner XXXX XXXX and email him at XXXX onXX/XX/XXXX 
On XX/XX/XXXX, I received a call from XXXX from XXXX at JNR@XXXX He left a message and I called him back at XXXX 
XXXX called me back at XXXX. I informed him that the call would be recorded. XXXX informed me that he did not want to be recorded and immediately ended the call.

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 04/15/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I went to a XXXX store to start a new service to take advantage of a special offer as I already had mobil phone service with XXXX XXXX XXXX. 
The customer service representative signed me up for the special offer. I specifically asked him if I could cancel and get a refund of the initial $ XXXX dollars. He said yes as long as I did within 14 days. I explained to him that we live in a rural area of XXXX XXXX county and that even though your coverage map includes our area some cell phone services do not work there. Our XXXX XXXX XXXX service works very well at our address and I was only trying to take advantage of a really good deal XXXX was offering at the time. 
So I started the service and when I got home I found out that the service was almost useless because of the in and out fade with only one bar of service showing on the phone. A few days later I returned to XXXX to shut down the service and get a return of the deposit and stop the auto pay that was initiated on my credit card to pay for the reoccurring monthly charges. I explained to the service representative that the service does not work well enough at my home and wanted to cancel and get a refund. He cancelled the service and returned the deposit to my credit card account. Everything was fine except the reoccurring monthly charges started showing up on my credit card. 
I talked to the XXXX store about this problem and they told me to call XXXX service. 
I called XXXX  service and explained to the service rep what had happened and she told me it was taken care of. The charge reoccurred again the next month on my credit card so I disputed the charges to my credit card company and had them stop the reoccurring charges to XXXX. My credit card company refunded the charges and stopped the reoccurring charges. Good, so I have gotten my money back and everything is fine. 
Not really. XXXX referred my account to a collections company. I called the collections company and disputed the charges. OK. Not really. They referred the account to another collections company and that is where I am at right now. The second collection company for the same reoccurring charges that should have never been. I have no intention of paying these charges of {$210.00} and I will dispute them again but it seems to me there must be something wrong, even criminal about this. The current collection company is : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX , WA . XXXX Dated XX/XX/XXXX Convergent acct. # XXXX Client acct # XXXX Hope there might be something you can do about 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 04/24/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SD).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX my bill pay service sent a payment of {$22000.00} to Chrysler Capital. These the pay service says the payment should be there with in XXXX days. Every previous payment to Chrysler financial were processed within XXXX days. Oddly the early payments were processed after XXXX of the month when payments sent as early as the XXXX. After XXXX business days of the last payment, it still was not applied to my account at Chrysler Capital. I called my bank and Chrysler Capital to find out why it has not been processed. This payment was a e-check and are received the almost immediately by the the place receiving the payment. Chrysler Capital said they never received the check and the bank service could not understand why, since all the previous checks were accepted. Chrysler Capital should be able to have any payment processed within XXXX business days of receipt. Today XXXX XXXX the check was process, after Chrysler Capital reported to the bank the form of payment was unacceptable for a pay-off. My bank absorbed the cost of stopping the check, XXXX houring of delivering a new check, and is having there payer pay the additional daily interest accumulated since the day the original should of been process. It appears that from past transactions that Chrysler Capital is not processing and checks till XXXX days prior to due date. Frauding there customers by charging more daily interest on the account. That is almost {$6.00} per day on this loan, frauding me XXXX of dollars on this loan. The could making XXXX of dollars extra on customers by not properly posting payments in a reasonable amount of time. Plus it more concerning since the same group that owns Chrysler Capital owns XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with HOVG, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.

Company response to consumer: Closed with explanation