milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. The breach was originally discovered on XX/XX/XXXX. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. Equifax did not disclose if PIN numbers and other sensitive information was compromised as well, nor did it explain its delay in reporting the breach ( which it discovered in XX/XX/XXXX ) to the public. It was furthermore revealed that three Equifax executives had sold their company shares before the incident was made public.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Good Morning, I have reached out to XXXX on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX, XXXX and TransUnion will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.

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 12/14/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. 
It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. 
The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be.

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 Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Consumer Loan (Vehicle loan) with Leaders Financial Company (NJ).
Issue: Managing the loan or lease

Complaint: Leaders Financial has refused to send me my title after paying my vehicle loan off back in XXXX 2016. I first had to deal with prove that you paid us which I had to fax a copy of my bank statement over because I paid the car off with my debit card. Then I was told I would have to wait 30 days after the payment was made in order to receive the title. Now today XXXX XXXX, 2016 6 weeks after I paid Leaders off they flat out refuse to send me my title. I called today and they state that they will send me paperwork that I would have to sign and send back to them and they then will need more time in order to send my title to me. Send the title now via federal express or I will see you in court. This is theft, You took my money and now you refuse to give me my title. Send it now!!

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 12-01-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.

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 04/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Consumer Loan (Installment loan) with ROC Asset Solutions, LLC (IN).
Issue: Problems when you are unable to pay

Complaint: This company called API keeps calling and harrassing me. At home, work and my cell phone. They call multiple times a day and threaten me. They also claim that I have been " officially notified. ''

Company response to consumer: Untimely response
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I just pulled my credit files and learned that XXXX XXXX XXXX  is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I mailed a certified letter to XXXX XXXX starting XXXX/XXXX/XXXX with the following information : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. The debt was stated to belong to MCCarthy, Burgess & Wolff. I sent another letter requesting validation of the debt and received nothing that provided valid proof that the debt was mine. The debt amount is said to be {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Miller, Stark, Klein and Associates (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Multiple companies keep pursuing a debt that has been paid years ago. I tell them that I dispute the validity of the debt and that it has been settled, and they continue to call once the debt has been sold to a new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to transfer me to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: 2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (DE).
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: This is something that has to be years old. When I search it comes up as XXXX and I have had XXXX for 4 years and XXXX for almost 2 1/2 years now. This debt has been sold a number of different times and has reported over and over again and I can never get anyone to have a civilized conversation they scream call me names and hang up. XXXX XXXX XXXX XXXX both found it to not to be a valid but XXXX will not remove. This is something that should be illegal how can a company get away with doing this. I have work very hard to keep my credit clean only to have this company report a fake account all in red?? Please help me clear this up I would be forever grateful. This company upon further review apparently does this often ...XXXX shameful!

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 10-06-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. 
I do not have any responsibility for this debt.

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 04/22/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently found out that IC Systems has been reporting and re-reporting an XXXX XXXX XXXX collection to my credit reports since XX/XX/2014. I believe its for a landline phone, not a cell phone. I should not have any debts to XXXX XXXX XXXX, and I haven't had a landline in a very long time. So, I disputed the collection account via XXXX, who stated they contacted IC, who in turn verified it as accurate. I'm not really sure what else I could reasonably do, because I never received a bill or anything to tell me what this is for, even after I said it wasn't accurate.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent letters to XXXX and XXXX on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. Equifax is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (MO).
Issue: Managing the loan or lease

Complaint: I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a number of student loans and the worst company to deal with by far is FEDLOAN Servicing. I have tried since XX/XX/XXXX/XX/XX/XXXX to get my student loans on extended level payment. Over the course of this, we have talked to many agents concerning this. We have also gotten many different answers, one hand does n't know what the other hand is doing. We were first told that we did n't qualify, then we did. Finally after numerous attempts, we finally thought it was right. We received the documents today in email and they still do n't have it right. half are correct and the other half is not. This is by far the worst student loan company I have to deal with. This comapny sucks the life and time out of you, over and over. Ridiculous, I need to get this right and I am fed up with phone call after phone call, total waste of time and as far as I am concerned they are a SCAM. I am entitled to the repayment plan to reduce my payments over 25 years due to the fact of my low income. These people do n't seem to want to provide what entitlements we have as tax payers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I AM EXTREMELY DISTRAUGHT!!! I WENT TO YOUR BRANCH/STORE AT XXXX XXXX XXXX!!! I WAS TOLD BY THE YOUNG LADY IN CUSTOMER SERVICE, MY DEPOSITED CHECK FOR OVER USD {$4500.00} WOULD BE AVAILABLE TODAY. I THEN WENT INTO MY ACCOUNT, SAW THE MONEY AND DECIDED TO PAY MY BILLS!!! ONLY TO SEE THAT I AM OVERDRAWN FOR OVER USD {$1300.00} DOLLARS!!! THIS NOW ALLOWS TD BANK TO CHARGE ME FOR OVERDRAFT FEES!! I CALLED THE CUSTOMER SERVICE WHO YESTERDAY, WAS UNABLE TO VERIFY MY VOICE, THROUGH AND EQUALLY INCOMPETENT VOICE RECOGNITION SYSTEM RESULTING IN MY ACCOUNT BEING LOCKED OUT!!! WHAT IS HAPPENING!!! THIS IS A SCAM!!! TD BANK WILL NOW CHARGE ME USD {$35.00} PER TRANSACTION WHICH AMOUNTS TO 6 TRANSACTIONS, WHICH I CAN NOT REVERSE!!! FOR DOING THE RIGHT THING TD BANK WILL CHARGE ME USD {$210.00} IN OVERDRAFT FEES!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX ,  17 I have been paying on an account for the electric company that was sent to AARGON Collection Agency. The last statement they are now charging {$32.00} as a line Item of Interest. Amount Owed listed as {$400.00}. Total Balance now is {$ 440.00}. I do not know why they are trying to collect interest and at this rate how do you ever pay off the balance? Seems extremely high.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.

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 04/20/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I fell be hind in payments to Navient on my student loan due to child support obligations. That loan went into default early last year rig ht as I was exiting child support.  XXXX  Funds is the Guarantor and I made an agreement with them over the phone to make monthly payments of {$210.00} which I have made 30 days in advance for over a year.. In   XXXX   XXXX   XXXX  hey started sending my payment back to my bank and told me it had been placed in collection with  XXXX   XXXX   XXXX . I researched this company and heard they could add fees and so I decided through studentloans.gov to consolidate this loan with  XXXX   XXXX . The payoff everyone  (   XXXX  and  XXXX   XXXX  ) agrees is just under {$11000.00}. But,  XXXX  Funds keeps sending a payoff to  XXXX   XXXX  on my applications of around {$13000.00}. I can not contact  XXXX  Funds apparently.  XXXX  and  XXXX   XXXX  said if I amke my monthly payment of {$210.00} they would remove a collection fee of {$2000.00}. But, neither of those entities now admit they added that fee. I just want to consolidate my actual debt of under {$11000.00} with  XXXX   XXXX .

Company response to consumer: Closed with explanation