milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are 2 parts to this complaint. 1 ) After viewing my credit report and credit score through a service that allows me to see all 3 credit bureau information on my credit file I noticed that only Trans Union has old outdated information and does not update the account balances in a timely manner as the other 2 credit bureaus do. The information is outdated and adversely affects my credit score with Trans Union. Which leads me to 2 ) When I attempted to contact Trans Union about this I am directed to do so online. I attempted to contact Trans Union online on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After going through Trans Union 's process of identity verification on their website I am told that I can not submit a dispute online even though I am logged into my Trans Union account that shows all of my personal data. I am being denied access to submitting an online dispute and communication which is what I was requested to do in the first place. I attempted to call Trans Union by phone but I am never able to reach a person, everything is automated and I am never able to speak to someone about resolving my issue. Just the fact that there is no way to speak to a human being should be illegal. I want to be given access to my information on Trans Union 's website and I want to have the ability to submit a dispute online. I also want a phone number that will give me access to a human being that I can speak to about any issues I may have about this subject, and any other concerns that I may have about my credit report and score through Trans Union. I do not have this issue with either XXXX or 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take proper precautions to secure my credit file in the event of a security breach. A security breach occurred on XXXX XXXX, XXXX and the public was not informed until XXXX XXXX, XXXX. Equifax needs to be punished for their clear negligence in keeping these records safe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account. 
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits. 
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the 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 explanation
Consumer complaint received 02-07-2018 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) fail to correctly process in-school deferment. 
XX/XX/XXXX - In-school deferment requested/school enrollment verification sent. In proper date of deferment was applied and request to amend have not be answered. Email ( s ) list deferment until XX/XX/XXXX which is different than date from the university listing anticipated graduation XX/XX/XXXX.

XX/XX/XXXX - Invoice statement from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent within the grace period/in-school deferment. Invoice reflects incorrect deferment date ( XX/XX/XXXX ). Letter disputed XXXX deferment date and requested a copy of complete loans records and/or documents XX/XX/XXXX - Email from XXXX is a billing statement, which I am unable to open or log into account. Additionally, I have requested XXXX on ( XX/XX/XXXX and XX/XX/XXXX ) to cease and desist sending erroneous emails/communications.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I logged onto my Nationstar Mortgage account online, and noticed a new loan on my account. This new loan does not belong to me. The personal information associated of the borrower for this loan is available to me when I log in to my personal account. I believed this to be a significant failure of Nationstar Mortgage to safeguard the personal information of the mentioned borrower. I contacted Nationstar Mortgage customer service to notify them of this issue. The representative told me to simply delete the loan from my account. I agreed to do this, but told the representative that this was not an acceptable solution. I told him that I was concerned that there systems allowed for this borrowers information to be available to me, and that my information could be available to others. The representative did n't seem to care about the significance of this issue, and told me that I could file a complaint with Nationstar Mortgage. I then tried to delete the loan from my account, and the website failed to remove it. This loan and the other borrower 's personal information remain on my account today. I have duly notified Nationstar Mortgage of the failure to safeguard the personal information of the borrower, and they have failed to take any action to protect this information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There are fraudulant charges on my Barclays Bank credit card from XXXX : XXXX XXXXthey were never charged by me or my familyBarclays bank claims that they will look into itthey never looked into it and wo n't credit my money backthis month a similar chage has comeI ca n't get my money back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. 
This was a land line I had in my home for many years. 
in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I has tried about 3 months with the Ditech. any time the customer services tell me different story regarding my account and it gets worse every time which they charge my homewoner insurance on escrow 4 times and get XXXX refund with called Tax refund. they information i got is totally confusion and different with the rep on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am experiencing difficulties with collections on my report that is n't mines or has been paid through my insurances. In 2014 I began to receive bills from a lab. I informed them my insurance paid and ensured them if I had a co payment then medicaid pick it up. I remember even providing them with both insurance information. I even called my doctor 's office to see why I was receiving calls and bills from the lab company and they too were clueless. I recently received XXXX bills in the mail. {$390.00} for date incurred XXXX/XXXX/2014, {$59.00} for date XXXX/XXXX/2014 and {$530.00} for date incurred XXXX/XXXX/2014 all from the same collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX Came to my house for my boyfriend. When they could n't get a hold of him, they knocked on my neighbors door and told them while we were gone, also asking my neighbor questions about his location and how they could contact him. This put my children 's housing at risk as I am XXXX, on a fixed income and do not need neighbors complaining on me for a debt that is not even mine to my landlord. The lady 's name is XXXX XXXX, from XXXX XXXX XXXX in New York. Reference # XXXX. I called them and chewed them out. I asked them to not come back or I would call the police. I also asked them if I needed to send them anything in writing and she said No. I understand debt collectors coming to one 's house ( I think it is disgusting, but I know it is " legal '' ), with that said, They involved my neighbors and put my housing and that of my children at risk ... I want them to stop. I did not give them any information on XXXX XXXX and would n't dream of doing that under any circumstances since they are NOT law enforcement. This happened between XX/XX/XXXX am on XXXX17.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was a computer glitch that was TransUnion 's problem -not mine, and it caused inquires to be deleted off of my Transunion report. Transunion later added added them all back onto my report without giving me the legally written notice 5 days prior to them re -adding them. I contacted Transunion in good faith to ask them to delete the inquires that they had illegally re-added. Not only were the representatives rude but they also refused to listen and then hung up on me. These inquires add hardship and my rights were violated by Transunion. I am asking you to please help me make Transunion stop making a victim out of 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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 notified the bureau the XXXX account was reporting incorrect. A payment of maybe {$25.00} was due. I paid hundreds to pay the account in full and closed it. I was leaving for a few months and I Did n't want any issues with my credit. I paid the amount XXXX 's stated in their department store and closed the account. 30 days later it reported late as XXXX failed to include any odd days of interest. The bureau is reporting the account is paid, was past 30 days past due. I have NEVER been late on any accounts. I always keep low usage and I pay more than the amount requested. The bureau posted my consumer statement on my report but they are factoring the late payment when scoring my credit. They are reporting 7 months since last late. This is not correct. XXXX 's is reporting paid and closed by consumer but the XXXX time late remains and is affecting my scores which is affecting rates etc. I am requesting either delete the late payment or the payment history and rescore my 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 03/21/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WI).
Issue: Taking out the loan or lease

Complaint: I was injured in XX/XX/2016 an was unable to make some payments on this bill in person. I regular pay in person and have paid more then my bill due at times. With the help of my son to personally go and pay in person, he was always turned away due to he was not the person of the account. It does n't make since to me when someone is paying a bill. For some reason Chase are stating it is a law. I never heard of this before. Also when attempting to pay online all of a sudden the account was removed. Due to my injuries I was unable to talk directly to Chase ( XXXX ) but kept corresponding in e-mail with being only told that someone will get back to me. No responses, and would not allow people that tried to handle and pay the bill for me to process business. Now I 'm being told my car is out for reposition and I am highly concerned about this. Their practices is not right. And refusal of pay is not right. I faithfully with the help of my son when on leave attempted to pay this bill over and over. How could this be of good practice for a consumer. And paying someone 's bill is not an result in identity theft. There are many wrong practices within the banks itself. and it 's not the first time I have had someone to pay this bill for me. Previously it never been a problem. If they had not rejected the ill being paid on time. My account would be current as it had in the past but unfortunately I was injured badly and had someone to pay my bills. When did it become a law that you ca n't pay a bill. No one was making a withdrawal nor viewing personal info. Now I 'm being to surrender my car and that it is out for repossession or to pay XXXX in full. This just is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 04-01-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: After filing Chapter XXXX Bankruptcy in XX/XX/XXXX, I made payments to Ally Financial through the court trustee. The plan was completed and discharged by the court in XX/XX/XXXX, and the ENTIRE AMOUNT OF THEIR CLAIM WAS PAID IN FULL WITH INTEREST. However, while Ally acknowledged the amount paid through the wage earner plan, they are refusing to correct the account balance to {$0.00} as my other creditors did. I disputed this information with the credit bureau, and received confirmation from XXXX that the account information had been deleted and the matter resolved. However, I later discovered that rather than making the correction, Ally instead reported this tradeline as a NEW balance, dramatically impacting my credit score. I then contacted Ally directly to discuss the problem. Their representative, named " XXXX '' ( she refused to give a last name ), was extremely rude and made no attempt to be helpful, insisting that since there was interest that had not been paid, Ally would not report the account as a {$0.00} balance. I demanded to speak to her supervisor, XXXX XXXX ( not sure of spelling ), for whom I left a voice mail message. As of this report, I have not received a return phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I believe that American Express may be discriminating against me due to my age. Taking into consideration my history of payment with them, my income ( which they are aware of. ) I see no other reason why the application could have been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was unfortunate enough to attend XXXX XXXX XXXX University in XXXX XXXX, Florida from XXXX - XXXX. I was required to obtain way too many XXXX loans for a XXXX year program, XXXX of those loans are with Genesis Lending. 
The repayment plan from Genesis is unrealistic. When I attempted to make re-payment arrangements with Genesis for a manageable monthly payment, they refused. Even since the requirement to reduce the loan amounts, the monthly payment is not acceptable on my income. If I were to make the payment they are requiring, I would not be able to buy food, gas for the car to get to and from work or any XXXX related issues that may arise. 
I attempted to contact Genesis this evening XXXX XXXX/XXXX/XXXX XXXX to try to negotiate a manageable monthly payment and was left on hold for more than XXXX minutes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have just checked in to view the status of my investigation sent through this website regarding an invalid Civil Judgment reporting on my credit report through XXXX under Judgment XXXX. I have waited already 32 days for a response and have not received one and I am getting extremely worried regarding what is going on. XXXX is not supposed to be reflecting on my credit report an this investigation has surpassed its limit and on top of forwarding all invalid judgment documentation to Experian which i received from the XXXX XXXX court records office ; I have been patient enough and I would like to know how soon this jusomenmt can be removed from my credit report. My investigation on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may take a 30-day period to complete. I have not forwarded any more relevant documents regarding this expunged judgment in these 30 days, so I do not understand what the hold up is. Please remove this invalid judgment and so I can finally return to my financial life and try to correct the wrongs done this past 8 years with Experian having displayed this account unlawfully barring many financial institutions to deny me credit. I think i have awaited and suffered enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Quad Corporation, Inc. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A default judgment was taken against me while I was dealing with my child 's injuries ( emergency surgery, XXXX XXXX XXXX ) from a devastating car accident. The judgment was for {$1400.00}, but I only owed {$380.00}. I paid the {$380.00}, but think it is unfair that they sued me for over XXXX times the amount I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, my wife XXXX XXXX XXXX needed money to return to school ( University of XXXX XXXX, XXXX ) in order to complete her study and obtain her degree of XXXX in XXXX with concentration in XXXX. I decided to take a Loan from Cashcall of average {$2600.00} in order to pay for all my wife 's school expenses. 
After receiving our XX/XX/XXXX taxes return, I decided on XXXX/XXXX/XXXX to fully paid off the Cashcall loan that with the amount of {$2700.00}. 

IF Cashcall need furthers information they must contact XXXX XXXX to enquire about that issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation