milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Discover Student Loan # XXXX. I 've been trying to refinance my student loan ( at 9.375 % to a lower rate with another lender ) but I 've been getting stonewalled by Discover. I spoke with multiple representatives at Discover requesting " Lenders ' 45-day Payoff statement '' mailed or emailed to me and each time I 'm being told that my request will be emailed up the chain-of-command. After 1-month of multiple requests I called yet again today only to get the same response. Without the statement from Discover my new lender would not process the loan and i have a limited window of opportunity to complete my paperwork. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contact American Collections Enterprise , Inc. the same day I received an invoice for a XXXX medical invoice for my daughter. 

The invoice had an address to mail checks to but no payee information. 

I had overlooked the invoice and was calling to request to whom I should make the check out. They immediately started giving me the run around even though I was saying that I would pay them in full immediately. They wanted to send me to a web site ( I do n't think they have one ) to find out. The person on the phone got combative when I pointedly asked for the answer to a simple so that I would not have to waste time looking through a web site. Further it was not a confidential piece of information ( my daughter is over XXXX. ). She then hung up on me. I called again and got the same behavior from someone else although not quite as combative but combative still the same. She avoided answering the question, claiming that my daughter would have to call, but eventually did provide the information. 

Given the conduct, the many previous complaints about this company in your database, I am extremely concerned about identity theft or some other kind of fraud. I have never heard of trying to collect money and then refusing to tell you how to make out the 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
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A random inquiry appeared on my credit report. I contacted Equifax several times to inform them, it was not my acct. They never removed it

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (MD).
Issue: Problems when you are unable to pay

Complaint: This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly appreciated!!!

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 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is not mine.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: When I viewed my credit report after I had difficulty leasing an apartment for my family, I was shocked and dismayed to see a collection account on my credit report for XXXX that has been given to some shady sounding company that does n't have a real name. The name is the following : Rcvl Per Mng I contacted Rcvl Per Mng at the number listed on my credit report, and they could not verify this and said to call XXXX. I called to XXXX, and they said to call the collection agency. 

I have never had a XXXX account, only XXXX in my whole life. 

A quick XXXX search leads me to believe that this is actually a company called Receivables Performance Management. They are clearly trying to hide who they really are by not having their real name on the XXXX report. 

I would guess they are not licensed to collect debts in Tennessee.

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 11-09-2017 about Vehicle loan or lease (Loan) with VW Credit (CA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: XX/XX/XXXX : App filled out for vehicle loan for XXXX ( owned by VW ) at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone XXXX. 

Left dealership after receiving numbers for loan. Spoke with sales but not finance. Did not initial or sign with finance. Numbers run for specific model but had not decided on specific model. Was told by sales associate 'it could be adjusted later '. 

XX/XX/XXXX : Received credit denial from XXXX XXXX with credit hit and denial for 'Lack of Down Payment '. App number : XXXX. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX Received no call between dates to ask whether I would be returning for vehicle. 

Left message for VW XX/XX/XXXX. 

Spoke with finance officer at dealership who became abusive when asked for reason for discrepancy in app paperwork fill out and submission. Stated app was finished. I never spoke with the finance officer, only a sales associate. Finance submitted app after period of 2 and half weeks with no contacts from dealer. I never signed the additional legal from the finance office. Finance officer when asked about this stated it was done 'to teach me a lesson '.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Lender has repossessed vehicle with no warning. I have been calling the company for 6 hours and no one will tell me where the vehicle is or what amount I will need to pay for it to be returned. 
The company is GMFinancial. The website will not let me log in or reset my password and the call line has transferred me twice. Given me a bad phone number to call. And told me three different times to call back since Thier " system is down '' I have been on hold for over an hour now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called to get the inquiries that are not mine removed. I also sent certified letters in XX/XX/XXXX and have not received a response within the 30 day period. Equifax will not remove these unauthorized inquires and keep sending very general information on my request. I need these inquiries removed as they are hindering me from receiving credit for things I actually want to apply for. 
XXXX XXXX & XXXX XXXX, XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX XXXX, XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with NELSON AND KENNARD (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This issue is been going for quiet some time. 
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with American Coradius International LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from ACI. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a credit score that I 'm not understanding. Within the past 2 years actually less than that. I 've opened 4 new accounts and have n't missed a payment nor has it been late with these new accounts. I 've checked my scores recently and nothing about my score has changed in almost 10 years it has been the same. I should 've had 50 points added to my score just for opening the accounts. That would 've given me 200 points to my score in which it has n't. I 'd like to know why this has happened? Why have n't I received the points I should have? I feel as though these reporting agencies are keeping my score hostage at a lower % to make me have to pay more money. I hope this dilemma will be rectified and give me the score and credit that are correct. 
Thank you,

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 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient failed me completely as a loan servicing company. I have worked in public service for 10 years and while making barely XXXX/yr they asked me to pay $ XXXX/mo which was impossible. I have recently noticed the CFPB is suing Navient for similar issues. I was recently made aware of all the options Navient denied me and refinanced under the PSFL program and am successfully paying my loans now. I would like to provide proof of 10 years of public service employment and have Navient cover the remaining balance of the loans as I feel they have illegally cheated me out of my rightful repayment options and placed unnecessary XXXX and hardship on me all these years. Navient had cheated and scammed so many young Americans and denied them their rights, and this can not be allowed. These loans were for both XXXX XXXX and University XXXX. They were public federal loans guaranteed by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Auto debt) with BRite Financial Services, Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: My car was due Thursday brite financial is calling me on every phone number listed to harass me. I attempted to make a payment arrangement for the following week and it was denied because i cant make a partial payment. They told me they can call me every day as often as they like until account is current. Its 2 days over due?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: Dear XXXX, - XX/XX/2016 I made a mobile deposit of a check of the amount of {$1900.00}. ( see attached copy XXXX The check is made to my older brother XXXX and was properly endorsed before it was deposited in my Account at M & T bank. 

-XX/XX/2016 funds were made available into my account total {$190000.00} -I then proceeded to write a check for the deposit for my apartment for the amount of {$1100.00} XX/XX/2016 at XXXX am, I received a call from the branch stating that the check was declined. 
I went to the branch who then explained to me that the check was presented before the funds were available, the branch then issued me a certified check in the amount of {$110000.00} I was then on my way to the rental office when the bank teller who provided me with the check called and said that I needed to return the certified check and that her XXXX posted a " hold " on my account stating that she needed clarification as to where the check was from and the needed to hear he story about the check. 

I called my brother who went with me to the branch, not only did he take his ID, he took the check to show the Branch XXXX : XXXX XXXX XXXX XXXX Vice President Senior Branch XXXX XXXX XXXXXXXXXXXX The Branch XXXX proceeded to embarrass us by speaking rudely " I need to see your ID immediately, I need to hear you say out loud that you wont deposit this check " " you need to sign on a piece of paper so I can see that it 's your signature " She repeatedly kept saying this to my brother who stayed calm and complied ... 
XXXX then continued to say that she does not know or ever heard of my brother employer ( diamond resorts international, a multi XXXX dollars publicly traded company btw ). in an effort to make her feel comfortable my brother said that he undertands how regulated her business is and that he himself had worked over a decade on XXXX ad she could google him and see that he is who he is. 

XXXX XXXX then said " fine ill release your money on saturday XXXX '' XXXX minutes later around XXXX PM XXXX called me and in her continued extremely rude tone told me that " I just googled your friend, and I dont like what I see here '', and continued to read all kinds of irrelevant private information the she said. 
" I am not going to release this money, I 'm going to hold on to it for another week so I can call my XXXX department and you will get it whenever I 'm done with my own investigation '' This is nothing more than XXXX profiling, as a result of this unprofessional woman I ca n't pay any of my bills, I lost my house and all the money I spent in the process and worst is that my money is being held XXXX .. 

I need my money back as well as compensation for all the monies I lost in the process a total of {$500.00} sincerely, 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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i have been trying since XX/XX/XXXX to have this particular account on my credit report fixed. it has been investigated 6 times since XX/XX/XXXX and Transunion has not corrected any of the information. I called Transunion on XX/XX/XXXX and they told me they are reporting the information that XXXX XXXX XXXX XXXX is providing to them. they are also missing 2 payment entries for XX/XX/XXXX and it is my right under the FCRA to have a complete payment history. they are refusing to provide a complete account history and also refusing to delete it because it is not complete, which I am entitled to under the FCRA, Section 611 ( a ) ( 1 ) ( A ).  Transunion has also been reporting some incorrect information on this file. 
1. the account number is not correct 2. they are missing payment entries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 3. the last payment received is the wrong amount 4. the pay status is incorrect, this account has been paid and it does not reflect that through transunions reporting of this account

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 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$180.00} - XXXX XXXX Open Date XXXX XX/XX/2015 XXXX improperly listed the XXXX account on my credit report. XXXX XXXX bought a disputed debt ( between myself to XXXX and their agents in the past ) they never sent me notification of the purchase nor their intentions to place the debt on my credit bureau. They listed the debt as open XXXX XXXX 2015 which is incorrect - as the re-aged the debt through fraud. I never admitted any obligation on the bill, and consistently disputed it through every collection agency that attempted to contact me. I am part of a class action lawsuit against XXXX for illegal collection practices : ( XXXX v. XXXX XXXX ( XXXX ) XXXX, Case No. XXXX U.S. District Court for the XXXX District of XXXX ) Again, XXXX never contacted me on my disputed debt. XXXX illegally re-aged the debt on my credit report with a XXXX XXXX 2015 open date. And they purchased a debt I disputed several times ( both via phone and in writing ).

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