milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of Trans-union Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please refer to the inquiries below : Business Name : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Name : XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX BANK Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance Companies - non specific Business Name XXXX BANK XXXX. 
Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Bank XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX Business Type Complete Department Stores Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Home Furnishing Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Miscellaneous and public record Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Banks and XXXX & XXXX Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance, personal

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: My student loans got discharged by navient because Equifax is stating that I am defaulting on my loan when they were forgivin this has caused me to lose my security clearance and be denied credit. 
Equifax is reporting that my XXXX XXXX is late which is not true they were paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Auto) with Viking Client Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I rented a car from XXXX XXXX XXXX Rental back in XXXX of 2014. I returned the car in the condition that I received it. The employee XXXX walked around the car, got the mileage, and I paid for the rental. 9 months later I received a bill XXXX stating that owed {$77.00} XXXX {$25.00} administration fee, {$25.00} loss of use fee, and {$27.00} in damages to the vehicle ). I contacted Budget and asked why 9 months later I was receiving a bill and how did they know that I was the XXXX that caused the damage. I was n't given a response as to why it took them 9 months. I was told that the reason they knew I caused the damage is because they are " a document based company. '' The representative also stated that the employee 's sole responsibility when taking the car back was to expedite the return and not check for damages. I was n't given any recourse to dispute the charges. I had my attorney mail a letter to XXXX requesting that they send documentation proving the damage was caused by me and I received no response other than a generic letter stating that I needed to pay otherwise the debt would be sent to collections. A few months later, I received a letter from a collection agency stating that I owe them the {$77.00} and that I have 30 days to dispute the validity of the debt. It is unreasonable to take 9 months to claim I had returned a damaged rental vehicle. I am disputing the fact that I had caused any damage to the vehicle and that XXXX should be required to alert the customer to any damage before they leave the lot. Otherwise, how can XXXX prove that the damage was caused by the customer? I am also frustrated with their lack of explanation regarding the damage and my rights to dispute the charges. I have A+ credit and XXXX is taking advantage of the fact that I do n't want my credit affected, so they feel they can send a bill without proof and I will pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (CO).
Issue: Problems when you are unable to pay

Complaint: We have fallen behind on our auto loan through united auto credit. We moved to a different state to get fresh jobs going. I want to work out a resolution, but when you speak to these people it 's like talking to angry kid that got there candy taken away. They are the most unprofessional people when dealing with them. Not only do they call me in the mornings before XXXX they are calling my family and relaying information about my loan to family. Which I know I have rights and may pursue. They are extremely demanding hateful and rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Good afternoon, Today I received repeated calls on my landline and the phone is not even registered to my name. I noticed it was an ( XXXX ) number so I figured it was not important. I decided to pick up on the 4th time and they asked for me by name. I lied and asked to take a message. The person on the other end of the phone said it was medical information that could only be discussed with the person they were trying to reach and asked me to note the callback number. I looked it up and it was Midland Credit Management ( XXXX ) XXXX and in researching them, it appears they have a history of illegal and/or unethical practices. Can you explain my rights and how to handle this situation? Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Student loan (Non-federal student loan) with U.S. BANCORP (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX. I was a student of XXXX at XXXX, XXXX & wanted to study XXXX. But I was XXXX to XXXX during the enrollment grace period. 
When I returned, I visited the school that had relocated to XXXX. I was told by the financial aid counselor that I could return to school & pick up where I left off if I was willing to start making payments toward my loans. Then the school closed down because their parent company XXXX ' is responsible for cheating the XXXX & other affiliated schools students out of {$30.00} XXXX dollars. I was contacted by a collection agency 'Elan Financial Services XXXX who tell me that I owe them {$10000.00} for an education that I never received. I admit that it was my fault for being put in jail for selling drugs on the streets, but I fully expected to be able to return once I was free. 
I am unemployed but willing to pay Elan $ XXXX until the loan can be satisfied. I do not feel obligated to make any payments, but in order to clean up my credit & be enrolled in a future school, I am willing to be flexible. I am in another location, but have an address as well as a phone # which I will provide upon request. Thank you very much for your time & patience.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

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 09-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below zero and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. 

Subsequent correspondence indicated Wells Fargo had offset my personal funds to accommodate a business loan my ex-wife ( 5 years divorced ) had accrued. Her business was organized as an LLC and personal funds were not to be co-mingled in paying off the business debt. The offset of my personal funds to pay off my ex-wifes LLC business dept is fraudulent and illegal.

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 10/20/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: - i opened an checking and savings account with citibank about 9 years ago and the accounts had no fees associated with it.i moved my family to XXXX Tn about 6 years ago and citibank has no branch in the area. For the past 9 months citi has refused to sen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.

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 12-11-2015 about Credit card () with U.S. BANCORP (MT).
Issue: Billing statement

Complaint: When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (DE).
Issue: Fraud or scam

Complaint: I want to file a complaint against Western Union. 
I made a transaction on XX/XX/2017 from USA to XXXX to my brother. 
The given estimate date of complete transaction was XX/XX/2017. 
But fund still not deposited into receiver 's account. 
The customer care person raised a Case against it and ask me to wait 24hrs ( case raised on XX/XX/2017 ). 
From that day, this 24hrs time is not ending. 
I call customer care daily to ask status but getting same response - " Your case is in under investigation. We do n't know where your money is ''. 
I am so tired of it now. This is the worst customer care service I ever see. 
I also provided them receiver 's bank statement that clears, the money never deposit into his account. 
But still they are not refunding my money. 
Basically they are neither depositing it to my receiver 's account nor refunding it back to me and also not giving me any proof of transaction so that my receiver can go his bank and show them. 
They do n't have value of their Customers. They are like " do whatever you can do, we do n't care ''. 
If Western Union is not able to trace money, why customer should struggle. 
They are also not sharing any timeline to resolve the issue. 
Every time same response. I and my receiver both are getting tortured mentally as well as financially. 
Western Union is just passing days and want to get rid of by saying that we have already escalated the issue however our partner bank is not responding. 
What 's customer fault here and why customer suffer because of this. 
My receiver 's statement clearly shows, money never credited to his account. 
It has become a nightmare for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with Equifax. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. ().
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Back in 2007, I attended XXXX XXXX , XXXX ( XXXX University ) now called XXXX XXXX XXXX. I submitted a request to be withdrawn from attendance within the required time frame. The school had informed me that the loan would not take effect immediately, but would be disbursed in future semesters towards the end of my degree plan ; they withheld how the loan disbursement would actually take place. They never processed my withdrawal request, and instead kept me on their attendance records to they could collect on the loan disbursement, which they did. I have contacted the original loan servicer, XXXX, requesting to dispute the loan, and they referred me to ECMC, the current loan Servicer. After contacting ECMC to dispute the loan, they are refusing to acknowledge my documentation and complaints on the matter. They keep sending me back and forth to address the matter with XXXX XXXX for a record correction, even though the school keeps ignoring my inquiries, and the school is owned by ECMC, the present loan collector demanding I go to the 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 monetary relief
Consumer complaint received 01/16/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my mortgage due to an extended unemployment. I have been working with an HUD approved counselor during this period. I began receiving Social Security {$1600.00} and the HUD approved counselor applied for a Loan Modification with my loan servicer. The servicer came back with a monthly payment amount of {$1500.00}, which I can not afford to pay. The HUD counselor was told from the servicer that my Fannie Mae loan is n't based off of income to qualify. She attempted to contact XXXX XXXX, but was unable to verify what the loan servicer had communicated. I am nearing foreclosure and would like to remain in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: Credit card issuer is reporting inaccurate information to my credit reports in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have encountered a number of problems while Navient has serviced my loans : ( 1 ) When making lump sum payments, Navient would ignore notes included in the request to apply the amount to my specific loan number with the highest interest rate. This happened on XXXX occasions. I called and they told me it would that them at least 2 to 4 weeks before they could reapply the balance to the correct loan. After waiting this period of time, the issue was still not resolved, and I had to make multiple phones calls over the months before the issue was finally corrected. 
( 2 ) Navient would not allow me to enroll in auto-pay at the end of my forbearance until after the first payment was made on each individual loan. It took them almost a month to confirm that I was finally enrolled in auto-pay and lower my interest rate accordingly. 
( 3 ) On the older version of Navient 's website, there was no option to specify which loan your payments went to. In order to do this, you had to call their customer service phone number and wait on hold for an unreasonable amount of time. 
( 4 ) Navient 's current website does not allow you the see the balances and/or interest rates when filling in the amounts for each loan you want to pay. It simply refers to them as loan-XXXX -- which makes it much harder to identify which loan should be paid first ( i.e. those with higher interest rates/balances ). 
( 5 ) On both the old and new websites, it 's impossible to tell which payment plan ( i.e. standard, graduated, etc. ) you 're currently enrolled in after you select it the very first time. 
( 6 ) In order to obtain general information about the payment plans available, Navient 's new site redirects you to their old site, which eventually redirects you to the federal website. Navient does not offer any information on the options available, which means you can not see this in relation to the specifics of your personal loans. 
( 7 ) The customer service hours are unreasonable. They are Monday through Friday only from XXXX to XXXX. This makes it very difficult for borrowers who are in school or working during office hours to contact them, especially given the long wait times to actually speak with a customer service representative. 
( 8 ) The Navient website does not advertise the Public Service Loan Forgiveness Program. I selected the graduated re-payment plan thinking I was doing the responsible thing, only to find out two years later that I am eligible for the PSLF program, but none of those previous payments I made qualify.

Company response to consumer: Closed with explanation