milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

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 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute with TrasnUnion contesting the fact that when I contacted the agency XXXX XXXX XXXX, they were unable to provide a financial statement spelling out how much I owe, the terms of payment, etc. I attempted to call directly the timeshare company, which is NOT the agency reporting, and was transferred to another collection agency, a different timeshare agency etc. Still nothing in writing explaining the reporting on only TransUnion account. I was told by TransUnion they are satisfied with XXXX 's electronic response of " the information is correct '' and they are satisfied closing the dispute. 
Am I not entitled to receive written information from the agency filing against me? There was no reporting since XX/XX/XXXX, and then XX/XX/XXXX states 120 days past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have constantly disputed to Experian the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent XXXX a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...

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 03/22/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Problems when you are unable to pay

Complaint: I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes, I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again, I was told " no ''. 
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help, I called Honda back and asked again for help so I can keep my vehicle, and again was told " no ''. I explained I was not unemployed by choice and am looking for new employment like a madwoman! I was told being unemployed is not considered a " hardship ''. Are these people all high??? It 's a hardship for me! 
I live in a very rural area.We have NO public transportation here! If you do n't have wheels, you DO N'T work, nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties, to contact them immediately and they can help.They have offered me NO help and I do n't want to lose my truck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 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: My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received phone calls from Trident Asset Management looking to collect of a debt that was stemming from a 2014 case of ID theft. I explained to the contact there that that I had a documented case of IDT and it was reported to the major credit bureaus and filed police reports. I did not hear back from them for several months. I have recently been receiving demand letters from XXXX XXXX XXXX of Trident Asset Management. I sent her a certified letter with a copy of my police report proving my claim of the false debt and am continuing to receive demand letters from her. Stating that if I do not respond in writing within 30 days they will consider the debt valid and have a judgement made against me. I keep responding and they keep sending me letter telling me that they are going to get a judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Student loan (Federal student loan servicing) with American Student Assistance (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I was told that I had completed my rehab by a representative at American Student Assistance or it's representative. 

I documented the balance due and date. It's below. I waited and called a while after and was told that the loan was sent to XXXX XXXX and the amount was about $ 58K and that I was not out of rehab. I called onXX/XX/XXXX and was told I need to start over my rehab since I asked for proof of amount. They added {$8000.00} to my loan when it was transferred which is what I complained about in XX/XX/XXXX. 

I want help with getting the phone records from my conversation in XXXX. I called on XX/XX/XXXX again and got got a supervisor named XXXX XXXX. ( XXXX XXXX - XXXX ) She says she will find out who the original college rehab was through. I plan to then ask that provider to review the phone call record from the data below where my balance was given and get my rehab payment record. 

I need help to make sure this happens as when I call XXXX XXXX, they tell me I need to restart the nine months over again. 

Monday, XX/XX/XXXX XXXX PM I am to receive letter or email Rehab is done Loan will be in good standard Agency Relations - XXXX Option 2 ASA is the Guarantor of the loan Balance {$49000.00}

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 04/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY).
Issue: Other transaction problem

Complaint: I sent money though money gram on  XX/XX/2017    and they wo n't release it and I have been trying to get a refund back and they transfer me to another department and they put me on hold and that has been happening every day and night and no one picks up and I am very tired of the way they are doing me just to get my money back from Money gram and the reference number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After receiving a copy of my credit report I filed a dispute with all 3 credit bureaus I asked that verification be sent to me I did receive a bill but nothing that had my signature on it. I have no knowledge of this account or debt and did not authorize 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 04-08-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associate has been reporting XXXX collection accounts on my credit report and from what I see they can not have proper validation because they are reporting different dates of first delinquency to all XXXX credit bureaus which is a violation and against the law. The have not done a proper investigation and by law they must delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I have been approved for a refinance that will save me a lot of money. My current lender -- Freedom Mortgage- has agreed to reassign the loan ( XXXX ). We have been waiting XXXX weeks for the XXXX. I suspect they are being slow since they are making {$150.00} a day in interest payments. I have left numerous messages and they are never returned. I am feeling ripped off each day.

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 08/16/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Synchrony Bank has refused to cancel a fradulently-issued credit card in my name. They have also consciously done everything possible to make it impossible for me to CLOSE this fraudulent card or to file a complaint. Details follow in the letter I have express-mailed to Synchrony : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Billing Inquiries Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX Copy to : XXXX XXXX XXXX, XXXX XXXX XXXX : Fraudulent Account & Fraudulent Charges Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : I have today received in the mail an account statement for the above account number. This is to notify you that : 1. The account is fraudulent. I have never opened such an account. 
2. The purchases ( {$470.00} ) are fraudulent. I have never purchased the XXXX items shown on the statement. 

This letter is to request that you close this account and remove any reference to this account from my credit report. 

Background : I received your paper statement in the mail today, Monday XXXX XXXX. 
The statement did not show the charges, which purported to be from a prior month. 
Using the information on the statement, I created an account online in order to see prior statements. I logged in and downloaded prior statements to show the purchases. 
At about XXXX my time, I called your customer service number ( XXXX ) XXXX as shown on the statement. I spoke with a representative who identified herself as XXXX. I explained that the account was fraudulent and the charges were fraudulent, and I responded to a variety of XXXX 's questions. I asked XXXX to close the account so that no future charges could be added to it. She said she was not able to do that, and another department would have to do that. She indicated that she would contact that department and that they " might '' follow up. I asked her no less than four times to close this account and she consistently said she could not do that. She also consistently maintained that the other department " might '' follow up. 
I understand that the above call was recorded, so presumably it will be available in arbitration if we end up there. 
I then noted on the back of your statement, in the fine print, that you purport to disclaim anything not in writing - a point which, of course, XXXX never brought to my attention. Accordingly, I am writing to you today. 

Once again : I ask that you close this account and remove all reference to it from my credit report. 

Thank you, XXXX XXXX ( XXXX ) XXXX ( mobile ) Enclosure :

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 06/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: MyAccount at Bank of America and or my debit card was charged fraudulently for costs associated with the rental covered under Massachusetts XXXX XXXX as XXXX a XXXX insurer for the at fault accident, for which XXXX admitted fault. Further, charges were allowed that were fraudulent charged by XXXX that I paid throughy Fast Lane Toll which is provided as attachments

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: First I have XXXX inquiry 's on all my credit reports. And half of those are shown up to 12 times. I also did not authorize but XXXX people. To run my credit. I reported this month 's ago to all agency 's but nothing was removed and I never heard back from them. I also tried to get my XXXX reports at XXXX and I was refused why? Also I 'm supposed to have a fraud alert on all credit reports so why are the company 's. Allowing inquiry 's without checking with me first?

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 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I paid off off XXXX bill or shortly after and and started my service with XXXX on the same day XX/XX/XXXX. Later around a month-and-a-half I was sent a bill for {$280.00} from XXXX claiming that they were sending it to collections so when I got my bill I went into the XXXX store and had a conversation about this issue and was told that it was after that if there was 20 days left in the month and that 's what that charge was. Which is illegal to do and I have since gone to them and ask him to show me where it 's listed in their contract and they did not show me because they could n't produce the information. 

Two days ago I called the answer to the collection agency and was forwarded to the internal law office where I spoke to someone that was very rude and did not want to give me any information regarding the charge that I supposedly must pay before they can take it off of the credit bureau butt this derogatory inquired that was placed on my credit is not right because it 's not a credible charge from XXXX which should have been verified by the credit bureau before putting it on to my file. 

By placing this on my credit report it brought my score down by XXXX points or more and he 's threatening 2 damage my credit even more and to take me to court for {$280.00} which is ridiculous. 

I would have made the payment arrangements but I do n't owe the money so why make the payment arrangement I asked could they give me or show me proof that we owed them money and they said no, you no longer are a customer, I was told that l am a client and someone that you have to deal with now! ( Pure Ignorance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Trouble during payment process

Complaint: i requested for my full payment history for the past 2 months I did not get it

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Green Planet never changed the status of my foreclosure on my home to reflect it was closed until my employer informed me in XXXX XXXX that my job was in jeopardy due to this discrepancy. I contacted Green Planet in XXXX XXXX after my home was officially no longer mine as of XXXX XXXX to dispute that I still owed a debt for this home. I disputed the status of the foreclosure, which finally lead them to close it in XXXX XXXX. I am currently trying to purchase a home and have been denied by the underwriter due to the incorrect closing date of the foreclosure. It currently reflects XXXX XXXX, however it needs to reflect the correct date of XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Last XX/XX/XXXX, I sent this company a notice to this company to let them know that I am sending them a restrictive endorsement check. This company received the said letter last XX/XX/XXXX. They responded last XX/XX/XXXX but in their response, there is no mention of anything with regards to the notice they 've received. Last XX/XX/XXXX, as shown on the attached certified mail receipt, they received another letter from my enclosed is a check to pay the balance they are collecting. At the back of the check states the condition required for them to be able to cash the check. The condition is that, check can only cashed if the derogatory information will be deleted by this company. This company then cashed the check last XX/XX/XXXX. Even up to know XXXX has not removed the negative item from my credit report breaching our agreement. I have my XXXX ready to be filed as shown in the attached documents if with the third and final request, XXXX will not comply to the agreement the entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed  because they were never authorized to look at my credit by 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