milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both XXXX and Trans Union.
XXXX responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to XXXX ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file.
Trans Union did not reply at all to my request,.

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 09/21/2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX billed me for services not provided after having failed to diagnose what wrong with my minor child and myself. I took me two years of research, after meeting with XXXX to self-diagnose what was wrong me and my minor child. It was quite serious. I timely disputed the illegal billed with XXXX. XXXX, in a letter to me acknowledged the wrong-doing. During the disputed period, XXXX 's collection company report negative and derogatory information on my credit profile. 

I demand that these negative information be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the course almost two years I have tried to have the incorrect and misreported information listed on my credit report as confirmed from XXXX removed from my credit reports with XXXX, XXXX & XXXX I have sent over 10 disputes to each reporting agency along with the CFPB and XXXX XXXX XXXX to have these items removed. 

1. The XXXX accounts listed # XXXX on my reports from XXXX XXXX have been reporting a dated of first delinquency of XX/XX/XXXX which is wrong the date of first delinquency. they should be reported as XX/XX/XXXX or XX/XX/XXXX which has aged my removal date by 3 to 4 years which is in violation of FCRA Section 605 2. The accounts also show a pay status of Account 120 past due which is not correct as the accounts should only show a pay status of transferred. 


3. There are remarks reporting on my report account closed due to transfer if the accounts were transferred to the XXXX XXXX XXXX on XX/XX/XXXX or before. How is are accounts that were not being serviced by XXXX XXXX XXXX reporting late payment dates from XX/XX/XXXX to XX/XX/XXXX this information is being reported on seven accounts. And should be removed ASAP 4.  XXXX, XXXX and XXXX all have reported that the information has been confirmed by XXXX XXXX XXXX on more than occasion. 

5. Also XXXX XXXX has also stated that the correct information has been provided to XXXX, XXXX, & XXXX. 

6. Presently I have no idea if the credit reporting agencies have been in contact with XXXX XXXX or XXXX XXXX been in contact with the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: i have been dealing with Chase modification department for over 5 years. Have been assigned numerous Customer Assistance Specialists and also various supervisors to help resolve issues that have needed assistance. All documentation required had been sent to them over these 5 yrs with no resolution. This has continued with no resolution after 5 long years of frustration. I can not begin to count how many times we have completed all these loan packets that have been sent. Over these last years we have supplied every document chase requested. We keep all this documentation back up. Every time they assign us a new assistant we go thru this same process with no resolve. Please help us get this finally resolved.

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 CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company Credit Acceptance account ( XXXX ) has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my XXXX  credit 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 03/24/2015 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Auto) with Coastal Credit, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My cell phone rung and I told someone to answer it and the debt company did not verify who they were speaking to and disclosed all of my personal business about me being 30 days behind on my car note and demanding payment ... then when the person told them they could n't do that the lady became upset and tried to lie and say he said he was my son and then she hung up..after disclosing my personal business

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I set up a payment agreement with Transworld Systems inc. I was told by two different employees that they would send me a letter of debt settlement. We arranged a payment agreement, I have not received a letter of debt settlement. I have contacted Transworld Systems inc. to try to get this issue resolved and they refuse to provide me with the information needed to prove that we have reached a settlement. I spoke with a supervisor and she still would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 have informed all three agencies that I have been a victim of id theft and requested that the items be deleted with no result I have even given the name of the suspect. one company, XXXX even has the same item listed twice.

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 04-05-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problems when you are unable to pay

Complaint: Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: I sent a complaint about TD Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( TD Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again.

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. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was included in the equifax data breach in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (Other type of mortgage) with LoanCare, LLC (AL).
Issue: Trouble during payment process

Complaint: This loan company, Loancare, has been harassing me since the start of the loan assumption for their mishandling of our insurance, escrow, and now our property tax.

The tax bill is now {$750.00} as ofXX/XX/XXXXaccording to a " XX/XX/XXXX Delinquent Property Tax Notice '' and on that bill it states " All property with unpaid taxes will be sold at our Tax Sale '' with a due date of XX/XX/XXXX. Now while I am sure that XXXX  County is not going to sell my house right out from under me on XX/XX/XXXX the bill was due inXX/XX/XXXX for the year XX/XX/XXXX. I spoke with a representative yesterday from XXXX County yesterday to confirm that the taxes are still not paid. According to the payment history on Loancare 's website, they paid {$36.00} so I just got off the phone today XX/XX/XXXX, with XXXX XXXX at XXXX County Revenue and it is their policy not to take any partial payments so that is another strike against Loancare.

On XX/XX/XXXX I attempted to call Loancare and after a brief hold I was told by a recording that due to a high volume of calls that I would have to leave a phone number. I did this two times at XXXX and a second time at XXXX. I got zero response. After the call to XXXX XXXX today, I tried to call again at XXXX  with still having to input my number. Note : they did not continue to give me an option of holding.

Loancare bought out my USDA mortgage from XXXX XXXX  and has messed up our homeowners insurance status multiple times requiring multiple calls resulting them trying to force me to buy their insurance when they are the ones that messed up. They sent the insurance check to our former insurance company then charged us for insurance when we NEVER had a lapse in insurance. Recently they tried the same thing again just because I had gotten married and the insurance with XXXX is in my married name.

They were charging me an exorbitant amount for my escrow account and had to refund me twice within a year for over payment. The first time it was close to {$500.00} and instead of reviewing it, they kept the escrow charge the same and had to send me another check onXX/XX/XXXX for {$1900.00} after I initiated the action by emailing them and asking why they have not changed the escrow amount so my excess payment can be taken off of the Principal instead of sitting in escrow building up interest for them. It still took them over a month to decrease the escrow amount with our first payment reduction coming due in XX/XX/XXXX.

This company needs to be prohibited from any new loans until they can work out their many failures.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Received a call from XXXX on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that XXXX never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Credit card) with Glasser and Glasser, PLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I recently received a Notice of Withholding and a copy of a garnishment summons for a really old debt. When I had previously checked my credit report it said this particular account was closed and written off as a bad debt by the creditor. 
So as far as I was concerned there was no collections or anything. 
I had not been contacted regarding this debt and I was not notified of any kind of court proceedings or that a case was filed against me. 
Upon receipt of this notice of withholding i contacted the law firm who is collecting the debt and they claimed to not even have my phone number on file. How could they have my SS number but not my phone number? According to their records my last communication with them was in 2012. So that 's 4 years where they did not make a single attempt to contact me or notify me and then suddenly my pay check is being garnished. 
Also I probably did not live in the state where the action was taken against me. Since I have no idea when legal action was taken against me I can not verify that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with Continental Finance Company, LLC (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone.

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 08-01-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (WI).
Issue: Problems when you are unable to pay

Complaint: I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}. 
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX of XXXX XXXX XXXX repeatedly calls multiple times a day. This is over an alleged debt from XX/XX/XXXX in which I do not recall having this credit card at all. Firstly, I do not believe this to be a debt I owe. Secondly, it would be way past the statute of limitations to collect anyway. I have conveyed these points to XXXX XXXX, to which he has talked over me and insisted that I explain to him my personal activities over the past 10 years and that I need to pay him today. The most recent phone call to which this conversation was had was today, XX/XX/XXXX. Please find below a list of dates and times he has called as of late and that is just what we can prove for this week. We anticipate there will be more. 

XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Debt collection (Medical) with MERCHANTS ADJUSTMENT SERVICE, INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Merchants Adjustment Service, doing business for XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.

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 11-09-2015 about Credit card () with DISCOVER BANK (AL).
Issue: Customer service / Customer relations

Complaint: I was laid off and am currently receiving unemployment. I have explained to Discover Card Services that due to my circumstance, I am unable to make the full payment, and have asked them for their help regarding a hardship payment reduction plan, and they have refused saying they can not do any better than my current interest rate of XXXX %. I have continued to make a reduced payment as to the amount that I can possibly afford, yet they continue to call and demand more from me, and have said that they will turn report this to the credit agencies. In the meantime because I am unable to make the full payment they are tacking on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX ,  XXXX   XXXX  SS :  XXXX  Attention : CFPB Reason : Dispute  XXXX   XXXX   XXXX  : Account Number  XXXX  - Derogatory Credit Reporting Item - Erroneous Account Balance of {$190.00} NO TRANSACTION OCCURRED. NO SUPPORTING DOCUMENTATION OR RECORD FROM  XXXX   XXXX   XXXX . NO RECORD OF SHIPMENT OR INVOICE OF ANY PRODUCT OR SERVICE FROM  XXXX .      XXXX   XXXX   XXXX  IS ACTING IN AN INSUBORDINATE FASHION AND REFUSES TO RESEARCH THE ACCOUNT OR PROVIDE EVIDENCE OF ACCOUNT BALANCE.      XXXX  OWES A CREDIT OF {$110.00} FOR  XXXX   XXXX   XXXX    XXXX   XXXX   UPGRADE FROM  XXXX  FOR ACCOUNT IN QUESTION.      XXXX   XXXX  SUPERVISORS  XXXX  AND  XXXX  IN ADDITION TO REPRESENTATIVES  XXXX  AND  XXXX  WERE INSUBORDINATE IN RESEARCHING THE INQUIRY OVER THE PHONE ON  XXXX / XXXX / XXXX . ALL REPRESENTATIVES WERE  XXXX  OR  XXXX  DISCRIMINATING AGAINST A  XXXX  MALE.     REMOVE DEROGATORY ITEM IMMEDIATELY. FLAG AS FRAUDULENT.

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 08/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient deliberately ignored my request to remove co-signer knowing that I am a XXXX XXXX XXXX  XXXX Veteran. They knew that my private loan would go into default therefore there they did not exercise due diligence to investigate this. They requested documents that they did not take into consideration nor did they take my payment history into consideration. My loan is my sole responsibility and based on the fact that I have 100 % payment history for four years, my co-signer should be released. I have been paying a {$20000.00} for four years and the current total is {$32000.00} and when I started my repayment plan my total was {$36000.00} so within four years my loan has only a {$4000.00} dent with a monthly payment of {$300.00}. Navient has ripped off me off and is continuing to harm me financially throughout the repayment process.

Company response to consumer: Closed with explanation