milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Suburban Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: suburban credit corporation is pursuing medical collection accounts past the statute of limitations by the State of Virginia. 

Suburban Credit Corporation is pursuing medical collection accounts after they have been discharged by Chapter XXXX Bankruptcy Courts/

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Payday loan, title loan, or personal loan (Installment loan) with Navient Solutions, LLC. (NY).
Issue: Problem when making payments

Complaint: I took out a student loan with Navient. There are two issues. 

One issue is that Navient charges high interest rates. 

The second and most pressing issue is that I contacted Navient in order for me to make an early pay off. Navient refused my offer. Other service lenders have allowed me to make an early pay off in order to make a large one time payment that would be easier on the borrower. 

I am seeking assistance from CFPB on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or experian it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it

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 02/21/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment. 

However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again. 

I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Other

Complaint: I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, phone number XXXX, reported to Experian, a credit reporting agency, account # XXXX, original creditor ( XXXX XXXX XXXX ), that I had used their electricity and owe {$1100.00} worth of electricity, I live at XXXX XXXX XXXX, for more then ( 10 ) year, and do not pay for any utilities, it is all included in my Monthly bill or rent. I never live at any other location, five year ago, I filed for Identity theft, with my local Police department, Experian refused to clear my name, they have another account # XXXX, XXXX XXXX for ( 10 ) year they refuse to clear

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 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Repeated calls from different numbers and leaving voice mails. Also had details from my current credit report. I did not authorize a credit search.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company 2 series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX XXXX XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also 2 documents and I 've gotten XXXX response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything. 

I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, 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 12/14/2017 about Vehicle loan or lease (Loan) with CONDOR CAPITAL CORP (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have filed Chapter 7 in XXXX and I included all debt excluding my car, XXXX XXXX XXXX financed by Condor Capital. I have voluntarily been making payments on this vehicle since XXXX. I have been contact with the company that has taken over Condor Capital since they have closed. I have been mainly in contact with them recently because I am in the process of purchasing a home and I needed to eliminate some debt, after speaking to several people in the billing department I have learned that they allege my balance to be XXXX as of XXXX/XXXX/XXXX. I have offered to make a settlement with this company in exchange of the lien being removed and they referred me to my the attorney who filed the bankruptcy. I also have not received and receipts or updates about my account since they have taken over. I have also asked once the allege amount is paid how will I know or how will I receive the title to this vehicle and they informed me that they would mail out documents that I would submit to the DMV. I also asked if I wanted to give the vehicle back what and how to handle that issue and i was again referred to me attorney. I need help with resolving this account, I truly do not believe I owe this allege amount which is why I am trying to offer a settlement.

Company response to consumer: Untimely response
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I noticed that my Experian credit report displayed several unauthorized hard inquiries that were made by XXXX XXXX. I then reached out to XXXX Executive Office 's, disputing that the inquiries made by XXXX XXXX on my Experian credit report were unauthorized and without permissible purpose. XXXX responded, stating that XXXX had no knowledge of the inquiries that is being reported on my Experian credit report, and provided supporting documentation to that fact. Although I provided Experian with supporting documentation from XXXX, that the information Experian is displaying on my Experian credit report is inaccurate and false, Experian still displays the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with Concentric Receivables Management, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Concentric Receivable I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Concentric Receivable in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with CORELOGIC INC (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.

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 12/22/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Deposits and withdrawals

Complaint: Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2016 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: This property was surrendered to the United States Bankruptcy Court in a Discharged Chapter XXXX Bankruptcy. The US BK Court Trustee has been ordered to sell the property. We listed the property at Fair Market Value due to SQUATTERS in the property who stripped all kitchen cabinets, all light fixtures, outlets throughout the home, damage to the property, broke the double Master Bathroom sinks, the garage door was damaged by the squatters breaking in, the window in the master bedroom is broken out. TOTAL REHAB. We have an offer of $ XXXX and Rushmore, the servicer, states their investor wants to NET $ XXXX. We submitted XXXX and there was a XXXX XXXX XXXX that sold XXXX of 2016 for $ XXXX. I have XXXX comps that support the lower amount. All of the other properties are move in ready. The subject property has no kitchen, no working bathrooms.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I had a {$0.00} balance on my Victoria Secret 's Credit Card. 
On XX/XX/XXXX I made a purchase at a Victoria Secret Store for {$16.00} On XX/XX/XXXX ( a Friday ), my payment was due. 
On XX/XX/XXXX I paid the complete {$16.00} off. 
Due to being 1 buiness day late I was chagred a late fee of {$16.00}, the same fee as my initial purchase. 
Prior to my XX/XX/XXXX due date I asked for a late fee removal, no additional charges were made and the only balance due was my {$16.00} late fee that I was asking to be removed. 
The decision by XXXX XXXX to not waive this late fee was made after XX/XX/XXXX, causing my payment to be late. 
On XX/XX/XXXX, I paid the late fee of {$16.00} they refused to credit me for. 
On XX/XX/XXXX, I was also charged another {$16.00} late fee. 
My total cost for my {$16.00} purchase is now {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Application processing delay

Complaint: Applied for a XXXX credit card, have excellent credit, not a great card in terms of interest rate, however I like flying XXXX and the bonus miles offer is intriguing. Submitted my offer and they demanded a copy of my social security card, a utility bill and my drivers license. I have never had to go through this for a mortgage loan, I said no way. The card is managed through Barclays Bank

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 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax reporting several incorrect information for several accounts- XXXX-No updates since XXXX XXXX XXXX XXXX updates since XXXX-incorrect balance XXXX-No updates since XXXX XXXX XXXX-No updates since XXXX XXXX ; incorrect balance XXXX-Still showing an open loan with a balance of XXXX Account PIF

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX XXXX Rep Bill XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or XXXX accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help 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 08-02-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (AR).
Issue: Trouble during payment process

Complaint: I received a letter from my Mortgage company letting me know that my loan was being transferred to another company. The date the letter was written was X/XX/17. My understanding is that they are required to give no less than a 15 day notice. This letter was sent regular US mail. This letter did not arrive within the 15 day notice. Also, the letter stated that they will no longer be accepting payments after XXXX XXXX, 2017. The mortgage payment ( 1/2 ) was drafted out of my account on XXXX XXXX, 2017, which I was not expecting. With my previous mortgage company, I was set up on a " flex payment plan '' which allowed half the payment to be paid on the XXXX of the month, and half the payment to be paid on the XXXX of the month, and this was on automatic draft. This method worked very well for the way that I get paid and when my other bills are due. I can not pay the full amount in one lump sum payment on the first, or it leaves my family without money left over for groceries, gas, etc. I called the new servicing company, LoanCare , LLC, to quickly sign up for bi-weekly payments on automatic draft. I was told that they do not accept bi-weekly payments, but they have a third party that will assist with this, however, they charge a large fee to do this. I had no voice in my mortgage being transferred, but my understanding is that the terms of your loan should not change. I strongly believe that my options as far as payment should continue as they previously were, WITHOUT an additional charge.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Creditor XXXX XXXX XXXX mistakenly reported me as having late payments. I spoke with the creditor and they corrected the issue on their end and submitted the proper information to the credit bureaus. Other credit bureaus have corrected that mistake but TRANSUNION did not for more than 30 days. None of my accounts are delinquent but they are showing them that they are.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA - Inquries are not mine. No knowledge. 
BB & T, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation