milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today, XXXX XXXX,2017, I tried to access my XXXX report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the XXXX data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the TransUnion report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.

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 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified

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 10/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Pioneer Collection Recovery contacted me about a neighbor of mine, XXXX XXXX? Left a voicemail and asked me tor return a call and gave me a reference number. Clearly by the name of their business I knew they were trying to get me to somehow give contact information for XXXX or something of that nature. Called them back at XXXX with reference number XXXX. Told them to not contact me again, and shared a few choice words about what I think they 're doing. I am not sure if this meets the guidelines for unethical practices, but calling neighbors is just low.

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 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have sent transunion proof of my name change and they have not changed it in their records. My name is XXXX XXXX XXXX and they still have me as XXXX XXXX. The XXXX purchased what I thought was supposed to be a membership for {$21.00} and instead they claim I only purchased a 1 time credit report and score when the membership is only XXXX per month. So after buying this one time credit report and score and seeing my name is not correct, I called them and told them my name was different as I have several times before. The representative did not help me with changing my name so I asked him why my credit score changed and he gave me several invalid reasons that did not pertain to anything on my credit history or with my credit situation. My credit score went from a XXXX last month to a XXXX this month with changes to my report or loan payments and no explanation. Transunion representative behave as though they do not care about the consumer and make decisions towards consumers without reason and it affects them negatively. I 'm not understanding how a company that consist of what seems like all foreign people are allowed to make decisions about consumers in a different country.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Auto) with Byrider Franchising, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling multiple time in a row then sending emails repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. ().
Issue: Credit card protection / Debt protection

Complaint: I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took out several federal student loans to complete XXXX XXXX. The loans were then transferred to Navient to be serviced. I enrolled in the pay as you earn repayment program after advice from a friend. Once I was enrolled in this repayment program I enrolled in autopay to pay the amount required by the repayment program which was {$86.00}. I was alerted by the company that it was time to renew my repayment program on XXXX XXXX, XXXX. I submitted my application and received a confirmation letter that my application had been received on XXXX XXXX, XXXX. There after I was waiting for my application to be processed. I had not heard of approval of my application so I called the company on XXXX/XXXX/XXXX to inquire on the status. I was told that the company had what they needed and it was being processed. They granted me a forbearance request to postpone payments while my re-application for my repayment plan was being processed. On XXXX/XXXX/XXXX {$2200.00} was auto-debited from my account. I called the same day to inquire about the status of my account. I was told my application for the income based payment was stalled because of missing paperwork despite the fact that the company had told me it was complete on XXXX/XXXX/XXXX and never sent a notification that the application was incomplete. I requested to have my money returned and I was told it was a several week process. I submitted the necessary paperwork and was approved for the repayment program on XXXX XXXX, XXXX. I did receive a refund on XXXX XXXX, XXXXafter calling the company several times to push the request through the system. In addition to the financial hardship of being without the {$2200.00} for approximately 2 months I received a notice from Navient that I lost a 0.5 % loan reduction benefit for not making 12 monthly payments. Had the process worked as intended I would have made the payments from the income driven repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had issues with XXXX XXXX for the past 3 -4 years. In XX/XX/XXXX when I started my payments I asked about the amount that was due was not the same as the amount borrowed. I borrowed funds for 5 of the 6 semesters that I attended XXXX University for their XXXX   program.  I contacted XXXX XXXX about t he issues and they stated that it as nothing they could do. In XX/XX/XXXX I called and submitted for my loans to be deferred due to not working, The representative stated that I might get a letter stating that I would have a payment, but I would not need to make the payment due to me requesting for the deferment. However a few month later the XXXX XXXX stated that they had no record of me calling and requesting for the deferment and my payments had tripped to almost $1,000 a month. Again I submitted information and requested for the income driven repayment plan and my payment was changed to an affordable amount. In XX/XX/XXXXXXXX XXXX   did not notify me of my re-certify date and they again changed the amount due. Due to me not receiving notice of the change of the amount due I kept paying usual amount. However XXXX XXXX reported that I made no payments. In XX/XX/XXXX I received an e-mail stating that I needed to re-certify for my income driven repayment. There was no date listed as to went I needed to complete this re-certification so I attempted to call XXXX XXXX to clarify why my loan amount due had increased before completing my application, however I was not able to get through on the phone.. In XX/XX/XXXX I completed my re-certification and received an e-mail from XXXX XXXX   stating that my application was being processed. On XX/XX/XXXX I received an e-mail from XXXX XXXX where they again lied and said that I did not complete my re-certification. When I call XXXX XXXX it says that "due to high call volumes" I need to call back later and then the phone hangs up. XXXX XXXX is a dishonest company and they are simply being fraudulent in attempts to make people pay late fees and additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Diversified Consultants, Inc. is repeatedly contacting me on my cell phone as well as my daughter 's cell phone to attempt to collect a debt from XXXX XXXX XXXX. They have contacted me XXXX times since XXXX XXXX, 2015, so far from XXXX different telephone numbers ; XXXX calls in the last week alone from the following phone numbers : XXXX ( XXXX times ), XXXX ( XXXX times ) and XXXX ( XXXX time ). They called me XXXX times in XXXX day from the first XXXX phone numbers. I have explained that I began making my payments and will continue to do so. They continue to call, one representative trying to persuade me to make a larger payment. I am XXXX, on a fixed income and can make small payments on this debt. I tried to get a resolution with XXXX XXXX XXXX ( over the phone and by email ) before it went to collections but I did not receive a response from them. These harassing phone calls are XXXX me, causing me to have XXXX XXXX in the past week. I would like them to stop calling me and simply bill me and I will continue to make the payments monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, 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 matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Home equity loan or line of credit) with Comerica (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I work at a XXXX. When trying to order a payoff for a Comerica HELOC ( we had signed authorization to fax ) we were told by customer service that they will no longer provide payoffs to 3rd parties on Equity loans regardless of signed authorization from the borrower. We then asked the seller to obtain the payoff for us. When he called the lender, they told him they could not fax a payoff and would only provide it by mail and it would be 5 day turn around time. The seller then went to a branch of Comerica to try and speed the process up. They told him verbally the payoff amount, but would not print a payoff statement and told him they would mail it to him in 7 business days. I 've been in XXXX since 2000 and I 've never had this problem with any lender.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it my concern : My name is XXXX XXXX XXXX, I have FHA Loan with PNC Mortgage, Loan # XXXX and I have a complain the way PNC is handling my situation and the way how they have been treating me. XXXX years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked XXXX XXXX XXXX for help asking for a Loan Modification program or any other relief available. It is very hard to deal with PNC because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from PNC, I am frustrated and XXXX and I feel PNC is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to PNC to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am American Citizen and I 'm wondering if PNC does n't want to help me because my name is XXXX XXXX XXXX and I am XXXX I feel discriminated by PNC. 

XXXX published on XXXX/XXXX/XXXX " PNC former employees : We were told to lie '' the article is based on employees of PNC routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with National Collection Systems, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. 
I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. 
The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. 
This company has no proof that this account belongs to me and I have no knowledge of this account or 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 04-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PROVIDENT FUNDING ASSOCIATES (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX 2015 I executed the permanent Home Affordable Modification agreement mailed to me by Provident Funding, by signing XXXX copies of the XXXX page document in front of a notary public. The modification agreement was prepared by XXXX XXXX. I then returned the notarized Modification Agreement back Provident Funding for their signature and recordingOnce the document was fully executed Provident funding was to record the Home Affordable Modification Agreement at the XXXX XXXX County Registrar Recorder. 
On XXXX XXXX, 2015 Provident Funding finally recorded the Home Affordable Modification Agreement after I filled complaint # XXXX with the Consumer Financial Protection Bureau. 
It has recently come to my attention that Provident Funding altered the signed notarized Modification Agreement that I mailed back to them on XXXX XXXX, 2015, before recording it, by inserting typewritten text on page XXXX and adding XXXX extra pages at the end of the document. 
I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 
I was only made aware of the incident, because I retrieved a copy of the recorded document directly from the XXXX XXXX County Registrar Recorder 's office. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance.

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