milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union for some reason is ignoring my requests to investigate, verify and remove an account from my credit file that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to request a justification for US Bank charging {$5.00} for me to make my mortgage payments online. Is it somehow more expensive for you to manage online payments than to process physical checks? I would think it is actually cheaper. I pay all of my bills online, and this is the only one that charges me for that " special privilege '' in 2016. I feel this is an unfair business practice and can not be justified with a business reason.

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 08/23/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A man keeps calling from phone number XXXX, claims he is a lawyer and says that if I dont pay back a payday loan from nearly 3 years ago, that I 'm going to jail. Says I should have received a court summons recently, and even went as far as saying when I 'm being arrested. Also someone called on my personal cell phone with the phone number from the local police dept on my caller ID, the person calling me then was female, she gave FAKE name and FAKE badge number, then claimed that she was on her way with local sheriff to arrest me for non-payment of old payday loan. No one ever showed up. Later confirmed with local police department that the officer name and badge number was fake.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in 2014 and student loans were discharged. 
5. The private loan can no longer be collected by XXXX and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. XXXX sold two " XXXX XXXX '' loans to Fed Loan servicing. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both XXXX and Fed Loan Servicing demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. XXXX could only produce 1 application, no note and no payment history. 
8. Fed Loan has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with Continental Finance Company, LLC (DE).
Issue: Delinquent account

Complaint: My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.

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 11/29/2017 about Student loan (Private student loan) with AES/PHEAA (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. 

Im struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. 

My student loans were not discharged or lowered and Im not in that same position. 

Its sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. 

I did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. 

XXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This has been going on for about 6 months. I pay all my charges off as soon as they are charged. I have spoken to several representatives and 3 supervisors. All stated they would get this taken care of. One supervisor placed a hold on interest on the account for two months but then it started back up again. A representative in XX/XX/XXXXtold me it was because an email had not been sent to their billing department. But that did not change anything. I have a promotional offer as well as the charges I make every month of zero percent interest for 18 months which does not expire until XXXX 2018. I pay about 9 times the minimum amount on this every month. 

I have even been told that because of the promotional rate ( representative ) that it cancels out the grace period on purchases which is illegal. 

I am tired of calling every month and getting a different story and being on hold to speak to a supervisor for half an hour at a time to be told they see what 's happening and it should not be happening, and it will be fixed, only to have to call again the next month.

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 monetary relief
Consumer complaint received 12-02-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX Bank of America Attention :  XXXX XXXX XXXX Chair and Chief Executive Officer/ Customer Service Department/XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX : Reonveyance of Property at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Dear XXXX XXXX : This is a Notice, in lieu of a complaint at this point and time. 
Thank you for the affirmative steps youve taken to aid in the possession of our property. 
Pursuant to our ownership rights, as corroborated by your Companys recording of : a ) Substitution of Trustee, ( XXXX ), XXXX/XXXX/XXXX and, b ) Reconveyance recorded on XXXX/XXXX/XXXX ( XXXX ) c ) Substitution of Trustee and Full Reconveyance ( XXXX ), recorded on XXXX/XXXX/XXXX ) d ) Preempting the Trustee Deed recorded on XXXX/XXXX/XXXX, and, e ) Replacing it with, the Full Reconveyance ( XXXX ) : We are informing you of our action to reclaim possession immediately. 
For a smooth transition, as the Trustee, I will expect your cooperation in retrieving access to the property by : 1. Surrendering the Keys to the house to us, by mail, or providing a location for me to pick them up, or, 2. Advising the current Holder of those keys either to : a ) Mail them to your office, or, b ) Mail them to us at the above address If I have not heard either from your or the former managers by XXXX/XXXX/XXXX, I will pursue action to change the lock ( s ). 

Sincerely, XXXX XXXX

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 10/19/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I would like an audit of all the funds that I have paid into XXXX XXXX n/k/a Navient, especially on how they calculate interest. By my simple math, I have paid {$15000.00} since XXXX/XXXX/11 on a loan that only totals {$30000.00} and I have not seen the principle balance go down not once. How can this much interest be charged and calculated so crazily. I do n't trust Navient 's math and I would like to see how they calculate my interest so that even though I have paid {$15000.00} over the past 5 years, my loan balance refuses to budge. I have a car, with higher interest rate than my student loans and I only have to pay that for 5 years. How is this legal? Where is the oversight? Who can audit this account to make sure that no funny math is being used. Over the next 15 years, at this rate, i will have paid over {$60000.00} for a loan that is only half that amount. How can my interest rate flux between 9 % and 10 % and yet the balance never goes down. Please check the numbers as something is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this is debit that is not mine and was suppose to paid by the company. I get this call from someone claiming to be with XXXX XXXX XXXX about a bill that I do n't owe and I believe that it was a scam call my wife asked what this was about and she wont tell her anything and the was very rude and I called back the person name did sound like a real name the name of a new reporter on tv. and I wont paid the that amount for the cell phone that I do n't have and was the company paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have told Experian that the XXXX late payment ( XXXX and XXXX ) appearing on my XXXX XXXX account # XXXX were inaccurately reported since it originated from an error from the bank which I have the auto payment on. They failed to properly investigate it and updated this account with the thw XXXX existing payments on my file!!

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried twice on XXXX XXXX to dispute the delinquent payments to no avail, with XXXX credit bureau and Fay Servicing. 

Let me also say Fay Servicing did correct the XXXX report but the disputes with XXXX will not change. 

I have disputed so many times, that XXXX XXXX will not allow me to dispute the Fay Servicing and XXXX accounts, again. 

I also asked my Account Manager with Fay Servicing why does XXXX show 9 missed payments, when there have been no missed payments since the modification. 

Fay Servicing even shows a missed payment for this year, and there have been no missed payments, but the Account Manager stated that another office would have to correct my credit reporting with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with Stallings Financial Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me.

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 09/29/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lien has been fully expunged. The credit agencies need to look to the XXXX Clerk 's Office for the information so that it can show up on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with EQUIFAX, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$570.00}. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/2017 I mailed a certified letter to Capital One. In this letter I requested the alleged charged off account be validated. Acc # xxxxxxxxxxxx XXXX The un-validated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it XXXX, as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This Capital One is in violation of Federal law. They have not validated the alleged debt nor did they note my personal credit file of the dispute. I have attached a letter that I received from Capital One which says they have is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, the Midwest Recovery Systems company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XXXX XXXX. This company called me twice and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.

Company response to consumer: Closed