milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX  and XXXX   refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried paying my bill using their website. It showed that my payment went thru but 30 days later i got notice that they never received my payment and put a 30 day late on my credit report. i immediately called them and paid the bill and never used their website again to pay my bill but the 30 day late is still on my report and has damaged my ability to get the best rates on home and auto loans thru no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage was originated by XXXX Mortgage, they sold our loan to Green Tree Servicing. It has been 6 months and there we have had several issues. They applied our payment to an incorrect account, I have been unable to call and make a payment ( although normally after the XXXX ), I can not get a rep. on the phone to assist. They add the next months payment to the statement on the XXXX of the month and then charge a late fee of XXXX if it is not paid on the XXXX of the following month. This is not a reputable bank. I wish I was given a choice. I am sure many other struggling families are frustrated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed up with the .001 % loan rehabilitation program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navient for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the XXXX representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. XXXX XXXX XXXX XXXX misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked XXXX about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My account was used fraudulently, and after over XXXX calls to Barclay XXXX with my Police Report in hand, I was credited for the amounts of the fraudulent charges. I was not, however, credited for any interest or associated fees. I am still being charged interest on the fraudulent purchases. Unfortunately, k due to the complicated process of calculating APR on these amounts, I do not know how much money I am being charged.

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 06/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: On Monday, XXXX XXXX my husband deposited an insurance claim check from our home owner 's insurance company XXXX XXXX in the amount ( approximate ) of {$8000.00} via the ATM at our local branch location in XXXX XXXX, TX XXXX. By XXXX the following morning, I received a notification that my account was overdrawn by several thousand dollars. Upon calling the number on the back of my debit card, I was told that the check deposited was missing my signature and the signature of the XXXX party which happened to be Chase bank and it was the bank 's policy to debit my account the amount of the deposited check until all required signatures were captured, and that until I received a copy of the check ( within XXXX48 hours ) my account woudl remain a negative balance. Infuriated, we contacted the branch manager at the location the check was deposited and continued to receive the run around as to why this happened. We have been told for 4 days now that this is the " bank 's policy ''. At this point, we are dumbfounded. This absolutely makes NO sense. We understand that we made a mistake on the endorsement but logically Chase should have not released the funds to us INSTEAD of debiting our account the amount for the check. Since then, we 've had various bills and miscellanous debits from the weekend post to our overdrawn account and we 've been assessed {$34.00} insufficient fund fees accordingly. We are currently in the process of working with the local branch to rectify this situation but I 'm hoping that by filing this complaint, a sufficient explanation can be provided to me regarding this " bank policy ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2016 about Debt collection (Medical) with SCOTT FETZER FINANCIAL GROUP INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi i have contacted the agency that placed me in collections for {$35.00} has been contacted and i have already sent a dispute stating this debt is not mine. 
Please help assist me in the removal Of this from my account thanks

Company response to consumer: Closed
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a Multiple  Inquiry Removal Letter to TRANSUNION on on  X/XX/2017  by cert ified mail in order to dispute information, in regards to (  XXXX   )  inquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investi gate and respond, the CRA must delete the disputed information from its files. The fact that I received a respons e ( NUMBER )  days after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Transunion has failed to Add the XXXX XXXX XXXX XXXX  Tradeline that I'm an Authorized User on my Parent 's Account. Its already been Added on XXXX & XXXX but you have continuously failed to report. I have contacted the Executive Office & this is my final result before I follow a Lawsuit against the entire XXXX XXXX. I have Attached Copies of my most recent XXXX, & XXXX  Credit Report

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 03/24/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The credit reporting agency has been compiling my information into some other person 's credit report and they tell me that I do not exist in their system when I give my social security number, name and address. The account that I found out about, is showing in a relative 's credit report for only XXXX credit reporting agency and the other XXXX credit reporting agencies are not having this problem at all. Among myself and my relative, we discovered that this particular credit reporting agency has been mashing our credit information together in a file under my relatives report and showed my name as " formerly known '' with current address and name, a similar name with spell in-corrections and all other sensitive data that was creating false extra credit towards my relatives credit history. Myself and my relative have called the credit reporting agency together and discussed this matter, to separate our data and they gave my relative a credit dispute file. The credit reporting agency representative also told me that they were creating a separate file with my information, since myself and my relative were both giving the agency separate and accurate information about our credit data. After 30 days, my relative 's credit dispute was acknowledged as complete. When I called the credit reporting agency, they ( the credit reporting agency ) told me that I do not exist in their system at all and I will have to call any company that I am involved with for credit data to re-report any credit data all over again or for myself to send in personal sensitive documents including : social security card, payment bill showing information, driver 's license, etc ... .., in which I have never had to do this for any credit reporting agency that I am aware of. I have been working on this issue for quite some time and it has really been hard on myself when it comes to getting any financial credit in good standing when I need.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Dear Cfpb, I would first like to thank you for taking the time to read my complaint. I currently have a student with Navient which I have paid on time for almost 6 years. The interest rate is terrible and my balance is not going anywhere this is a crime they charge 13.24 % for a student loan! I called them and they said they can not do anything to lower it because I make too much money. I tried refinancing this with XXXX other lenders and the denied me that I do not make enough. I feel there is no way out of this. I do not mind paying the loan but when all I am doing is paying mostly interest I get upset. The main issue is when I took the loan out back in 2003 the rate was around 7 % how and why this jumped to 13.24 they can not explain. Is there anything that can be done here? 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CT).
Issue: Shopping for a loan or lease

Complaint: We bought a pathfinder ( used ) from XXXX Dealer. After fixing the price, they told us to wait due to system glitch with XXXX. At the finance table, they increased the price of the vehicle and forced us to take fiance from Nissan Motor Acceptance Corporation. They charged us unreasonable percentage of interest without based on any credit rating. Every XXXX Dealer is using the same tactics to grab the customer and charge the rate of interest of their own wish and Naming Nissan Motor Acceptance Corporation. Looks like Nissan Motor Acceptance Corporation is also including in this scam. Dealers does not provide us available options and if someone find out they increase the price of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
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 company has been reporting me a running late for 6x times and they have done it in to me in XX/XX/XXXX. I learned that they have switched products and increased to my payment to XXXX from XXXX, which I have been paying for years. I am recently divorced and my husband was paying the bill on line. So, all notices that are on line which Wells Fargo have always pushed me to go online because I could not talk to a person for a year because I did not know my pass word. I open the line in XX/XX/XXXX. I ask them to produce the document that says they could switch my product and all this extra money that have been given needs to go towards her my late fees. The customer service rep said they told me in XX/XX/XXXX. They could not reproduce any paper that said my payment changed, they sent me a note that does not indicate. I want them to remove the late immediately and give me the opportunity to know what products I am in what to expect.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I tried to get my credit report directly from Experian website and was given this mesaage : " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' I called and had my report sent to me.     Once I received the report, I tried to dispute inaccurate information and again received the same message. I called customer service and was given another number but was still unable to dispute it with that number so I called back and disputed it over the phone and had it removed.     A month later when trying to order another paid report for a job, I got the same error message of, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' The strange thing is, I can log in to experian.com/now and access the free report that 's updated once a month but am unable to request an updated report when changes are made unless I request it by phone.     At what point will I be able to access my own information to avoid this in the future?

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