milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I set up my month payment via my check account, as a I do each month. XXXX XXXX XXXX ( card services ) pull the {$50.00} payment that was due on XX/XX/XXXX, on XX/XX/XXXXfrom my checking account and then in the month of XX/XX/XXXX, placed a 30 late on my credit report, as if the payment had been made 30 days late. I called in and ask about the matter and was told, that the only thing they could do to correct the matter was to adjust the late fees. The month prior to this call, I called in and asked why I was making my payment each month and the balance would continual to increase. Keep my credit card over it's limit and making me unable to use the card for any goods or services and the balance was increasing more and more each month. XXXX has a system, that adds {$35.00} late fee, to your account, if the payment has not been processed by a certain time on the XX/XX/XXXX of each month EST. The late fee is often more than the monthly payment and triggering a balance increase each month, after the payment has been made. Therefore, placing the consumer deeper and deeper in debt, without any usage of the card and enriching XXXX, with free monies each month from excessive fees. 

I called and spoke with XXXX about the 30 late fee and was told in short that, the only thing they could do to correct the matter was to adjust the late fees on the payment. They have no idea of where the payment that was taken from my checking account, was routed to or credited to. This is very unprofessional and XXXX is unwilling to assist in correcting the mistake that has been made by their account program/system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Student loan (Federal student loan servicing) with Monterey Financial Services LLC (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX   taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with Shermeta Law Group, PLLC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made arrangements with Shermeta law firm in XXXX Michigan to pay XXXX $ a month. Every month I received a payment envelope and statement. Last month I did n't receive one. So no money was sent. They said they sent one. My account was garnished taking my car insurance and tax payment money. i think they did n't send me a statement on purpose. I wonder how many other people have had this problem. they said it was my fault and that I should have called them. I save every month so that I can pay my insurance bill in one payment. I would like that money returned. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Credit card) with R.A.Rogers, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Today by XXXX I received a collection letter from R.A. Rogers , Inc attempting to collect a debt from creditor XXXX XXXX XXXX XXXX on a XXXX account that was paid in full I believe around 2013. 
I have a concern with the collection fees with R.A Rogers {$5500.00} on this account. Please address this with R.A. Rogers this same like some kind of SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (MD).
Issue: Lost or stolen money order

Complaint: I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed XXXX inquiries that were not mine. I had never applied for credit, insurance, employment with any of these companies and had no business dealing with any of these companies. Equifax refused to investigate simply stating they are factual records and to contact the companies who pulled my reports without consent. NONE of the XXXX companies would respond to me. Equifax had a duty under Federal law to investigate, yet failed to do so placing the burden on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My girlfriend and I moved from an apartment complex 4 months ago. XXXX. The local police and apartment complex were notified. We moved out of the apartment a week later in fear for our well being. Today, my girlfriend was contacted and and verbally assaulted by multiple employees from IQ Data International. Stating that if she does n't make a full payment of $ XXXX bad things will happen, along with a slew of curse words. She called back to get more information and was again verbally assaulted. My girlfriend contacted the apartment complex and the manager felt bad about the whole thing but said it is out of her hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not dispute that I took out a payday loan with XXXX but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all XXXX major credit bureaus. I 've disputed with all XXXX, XXXX came back as deleted, the other XXXX show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and XXXX woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all XXXX bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I was laid off from XXXX XX/XX/2010. XXXX of XXXX, Ohio solicited me to have my payments lowered I had no debt other than the house. I did not qualify for any plans, so HH mortgage company foreclosed. I sought legal help and forced to retire. XXXX told me to move on and not hold this against the HUD agency and to just move. I 've thousands of hours of working with private and government agency 's. Now I 'm old and ca n't do as much and still at square one with 15 years of my life gone and no hope for a life as a.

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

Complaint: This is in regards to the equifax hack. I have been notified that my information HAS been compromised. Their laziness when it comes to security makes the fault theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I have requested Equifax to remove the hard Inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQIFAX XXXX XXXX XXXX XXXX XXXX GA XXXX REF : XXXX Date:XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX - I did not even try to buy a car? 
XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX BANK XXXX, XXXX XXXX. EQUIFAX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX BANK XXXX XXXX, XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was suppose to receive my overage checks through refinance and they did not make it to me. They mailed it to my physical address. We do n't have mail service here in XXXX XXXX, Ca., just XXXX. I 've contacted the mortgage co. several times and was supposed to have been reissued. Somehow they 've intercepted and cashed. I requested copies of the checks, received them and they 're not signatures. I faxed a letter to the research dept and requested reissues of the the checks. I 'm submitting a complaint because this has been over 2 months now of trying get my checks. ( XXXX to be exact ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with SLM CORPORATION (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX my daughter who was attending the XXXX XXXX XXXX took out a Sallie Mae loan for {$11000.00} that I co-signed. Long story but I think she was XXXX class short of graduating. She is XXXX for XXXX XXXX and not making her payments of {$170.00} per month. This is causing me great financial hardship. I am wondering what recourse I have. Even if it involves legal action against my daughter. I just want to know my options and I think that Sallie Mae is the XXXXXXXX XXXX spawn. I do n't trust anything they tell me. They just throw you into a loop of lies and telephone holds. Hence, I am asking you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.

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 11-12-2015 about Bank account or service (Savings account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: Applied for a Discover bank savings account through a promotional offer for {$100.00} bonus ( XXXX ) After all requirements were fullfilled, no communication from Discover, no bonus credited. 
Called 3 times to resolve, finally they claimed that the offer expired before I opened the account which was clearly not the case as listed on their own webpage. 

Discover refused to switch to another promotion by saying that new promotions are only for new customers so I would no longer qualify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 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: Account status incorrect

Complaint: Credit Report suddenly shows 10 XXXX XXXXoan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.

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 03/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Loan modification,collection,foreclosure

Complaint: We have a loan with Bank of America and have been working since XXXX XX/XX/2014 to get the loan modified to an amount that is affordable. We have faxed income info, paperwork, made phone calls and no one returns the phone calls, we just get a notice that the loan modification request has been denied. They are not very personable and at this time we are in the midst of possibly losing the home, there are XXXX kids in the house and XXXX of them has a XXXX XXXX XXXX and is in need of the school system. The interest rate is way too high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I received a notice from XXXX XXXX increasing my Credit Card APR for not making a payment for the last 60 days. I was also reported to the credit bureau 60 days late. I have spotless credit and have worked hard to keep it that way. I just refinanced my auto loan with Bank of America. I need you to look into the matter concerning the recurring bill pay for XX/XX/XXXX that was not paid and the payment in XX/XX/XXXX that was cancelled ( not by me ). Please provide me and XXXX XXXX and explanation and kindly request to XXXX bank they remove the 60 days late as this was not my fault but a glitch in your system.

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