milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX Bank and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All XXXX credit agency 's have my persons information. The home address they are reporting I have n't lived at in over 15 years, and the employers are the same. I need all my information corrected. I did advise XXXX to correct my information and they never made the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: CASHCALL responded to my complaint stating that they have not called me. This was not even the complaint. Instead of answering the complaint they tried to dodge issue and divert attention. Also trying to place blame elsewhere without looking at the evidence in front of them. They then admitted the amount owed was was XXXX. On the XXXX loan. We all know that CashCall has been under the gun for shady loans. Then tried to respond by saying XXXX took over the loan. Well XXXX is a shell company of CashCALL but they are trying to avoid blame. XXXX was also under fire for harassment and then they had to refund. XXXX I said I would take the different offers to pay off and they never responded when I would accept. It was a game and lies. HERE is the issue and I am not going to take answers that make zero sense from Cash Call. Fine CASH CALL you state balance was XXXX. CASH CALL then you falsely claimed XXXX. Which is a blatant lie, false according even to CASH CALL CASHCALL I am going to assume that you did not look at the evidence or clearly read what I written all the way. I did not claim you were calling me during Chapter XXXX. What I am claiming is the lies about what was owed. So in 5 months a loan accrued XXXX in interest on XXXX loan. OK I will also be sending this appropriate FTC and AG. 2nd response states XXXX XXXX is who I have this with. Well that is not true. CASHCALL Claimed XXXX to the BK court which is false as they already admitted XXXX But this is what they do lie. Regardless I have the proof. I also have copies of the checks and where they were sent. TO CASHCALL in XXXX. Just in that is the discrepancy of XXXX that CASHCALL has 14 days to return or will be taken to court over and and interest on XXXX over 6 years at the rate that will be XXXX which is what my attorney will be going for along with attorney fees. Attached proves Cash Call was paid not XXXX. XXXX did not claim with BK court, Cashcall did. CashCall may call me to verify where to send refund.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Debt collection (Medical) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have n't been to the emergency room in years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was deliberately deceived and steered into using private loans with astronomically high interest rates. I was also steered away from consolidation plans and generally misinformed in order to keep me in an uphill battle against high interest rates on the loans. There are essentially no options made available to decrease my monthly payments or lower my interest rates. With a child on the way, I have no choice but to be subjected to these loans that are near impossible to pay back due to lack of flexibility and options.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In the last few months I have contacted XXXX in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX XXXX. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by 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 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I uploaded a letter to Experian from XXXX and XXXX. The letter stated that an inquiry from them would be removed and it is still on my report. I called and spoke with a supervisor XXXX who refused to removed the inquiry even with the proof that I uploaded. I have uploaded the letter for your review.

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 01/21/2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked numerous times to have Money Recovery Nationwide remove my collections off my credit reports. To which they respond they do not do removals. 
I made a payment arrangement to have these collection tactics stopped and reported every month. I am disclosing why Money Recovery Nationwide is wrongfully posting these collections on my credit reports, and also how MRN is collecting on accounts that are not valid. 
First off a new balance is added to my credit report as a " New Collection '' instead of updating a current balance. When I have contacted MRN they tell me they are new accounts that are going into collection and they have to report them. 
I only have XXXX accounts with XXXX XXXX Hospital ( See attached documents ) The letter of verification MRN sent me has numerous account # 's and none of these numbers are matched up to my XXXX XXXX XXXX account #. ( Attached are documents ) My accounts # 's are XXXX and XXXX MRN has Different Account # 's on the Verification of accounts all XXXX of them. 
Also I am attaching a Bill MRN says is from XXXX Hospital ( who the debt they are collecting on ) As you see, it says Guarantor account # is one of the numbers with my XXXX account. Which is how my account is setup through XXXX which I verified with the XXXX XXXX. The other discrepancy in this bill is that it is fake, I will find the original bill and show you if needed that XXXX Hospital Billing and accounts are in XXXX Michigan and not XXXX Michigan. This was verified by XXXX XXXX themselves. They do not have any offices in XXXX Michigan. MRN is out of lansing they explained. 
If MRN continues to argue that my accounts are separate and do not remove my collections. I will have to take further legal action and I want to avoid this. 
I was never notified that MRN was going to collect on these debts, I was only notified when my Credit Report showed them. 
I want all these debts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Problems caused by my funds being low

Complaint: First I was not properly explained during my account opening the opt in or opt out procedure of overdrafts and they did n't go over any of the additional steps that I needed to take to ensure my protection against overdraft fees. I had the money available in my savings account but the personal banker had not linked my accounts together like I assumed she had when she talked about it. She explained the opt in as overdraft protection instead of what it really was. She also did not give me a temporary card when opening my account so I had no access to my money until I came back from vacation even though she knew I would need it. She did not go over the steps needed for online banking and I was not able to make the changes to protect myself against fees such as linking accounts and setting up alerts which I thought she had already done for me since it was something that was discussed. 

After I had noticed that I had over {$200.00} in fees in less than 2 days I went to a branch near my work but they could n't do anything since they did n't have an approval from anyone. The manager at the XXXX branch attempted to get approval but there was neither a manager or assistant manager to help and they told me I had to go in the next day when they would be available. When I went in to the branch that opened my account I was not able to speak with the manager because he was in a meeting. I asked if I could come back later and the assistant made a point that he would not help me and that it would be useless for me to call him at a later time. I then tried to get information about the call center and whether they would be able to help but she told me there was no point and that if she would n't help me no one else would be able to do anything either and I just had to take the fees. She was extremely rude the entire time and from what I understand from her customers and employees she is like this with everyone and also treats her employees poorly to where they no longer wish to work there just because of her just as I no longer wish to bank there anymore. This assistant manager is in the U.S. bank location in XXXX at XXXX in Colorado.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Problems caused by my funds being low

Complaint: This morning, Saturday, XXXX XXXX, 2015, I called customer service at ( XXXX ) XXXX and learned that U.S. Bank 's policy is to opt customers into overdraft protection by default ; customers are expected to explicitly opt out. Interestingly, during the automated review of the status of my account, which I completed just before speaking to the U.S. Bank representative, the teleprompt indicated that I did not have overdraft protection on my account. I mentioned to the U.S. Bank customer service representative that I did not recall this being pointed out to me during the account onboarding process. The representative 's response was that I should contact the member who opened my account or the branch manager. I asked the representative to remove the unwanted overdraft protection, and after trying to discourage me, he finally removed the overdraft protection, at least that is what was indicated to me. I was advised that it would take 2 business days to remove the overdraft protection. Additionally, my request for a courtesy credit of the fees incurred to date, of which there is a total of {$340.00}, was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Vehicle loan or lease (Loan) with Globe Acceptance, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I co signed a car loan in XXXX. In XXXX, the person who was primary was arrested for drug charges and went to jail ; car was seized by the police dept and sold at auction. Remaining balance then came to me bc the origina ldebtor was in jail. I am not sure if they sued me or what happened, but my old lady friend who is now XXXX called Globe Acceptance ( mind you she isnt on the account and not related to me ) and she worked out $ XXXX payment plan. I started making payments in XXXX and have paid monthly until XXXX XXXX. In XXXX XXXX, I found out that they werent reporting to my credit on payments made and had as written off/bad debt. So i stopped the payments since it was bad debt and they original agreement for payback wasnt even between myself and the company, it was arranged by a 3rd party who wasnt asked or involved. Then they called me and the guy was super nasty mean of the phone saying they had jusdgement against me and they were going to garnish my business and take everything i had. I checked my credit and come to find out they reported me for not paying on my debt when they hadnt been reporting i was paying them. So it lowered my score even more. In the meantime, my office manager filed a dispute and asked for 6 months of payments back and we cancelled the card the automatic payment was being taken out on. Today, I called Globe Acceptance and they said {$1800.00} was refunded to my account. So i went to the bank and they told me no money had been credited to my account.They told me Globe tried to take a payment and it was denied. They reported no attempts to deposit money back to the card. So i called Globe Acceptance back and they told me that my bank, XXXX XXXX, had accepted the funds and they had my money. I went back to the bank again, again they reassurred me they dont have the money. I called Globe acceptance and they will not produce any receipt that XXXX received the funds but say it is my problem and now they added {$1800.00} back onto the original debt. Pus mind you, it is still on my credit as charged off-bad debt even though i have been paying for 4 years. XXXX XXXX insists they dont have the money and they wont produce any paperwork stating they dont have the funds. So i have paid {$1800.00} and someone has it - the bank or Globe and i am going to have to pay it all over again. I need help. They have never even went after the original loan holder, only me. It is not fair and now they are XXXX me out of {$1800.00} I dont have

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 07/21/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company marked us late to the credit bureau for XX/XX/XXXX for 30 days and for XX/XX/XXXX for 60 days when we paid both months on time. We entered into an approved loan modification loan that started XX/XX/XXXX to XX/XX/XXXX. We have statement that show we paid every month on time. In XX/XX/XXXX my mortgage company PennyMac said the Loan Modification Dept. had not finished the paperwork, so to pay the same modification amount for XX/XX/XXXX, which we paid on time. XX/XX/XXXX at XXXX we received a XXXX package with our loan modification paperwork saying to sign and return them by XX/XX/XXXX. I called and PennyMac said to take a week or so to review and then sign and XXXX back as we did. I called in XX/XX/XXXX to make a payment and they said since the modification was finalized XX/XX/XXXX. they did n't expect us to make a payment, that month was rolled into the new loan modification. I was told to make the next payment in XX/XX/XXXX, which we did on time. 

A Rep. at PennyMac sent us a letter saying we were not late in XX/XX/XXXX, but said they would not remove XX/XX/XXXX late reporting. I sent her letter to the credit bureaus and received a letter saying PennyMac said they did n't send the letter. 

I have PennyMac statements showing I paid every month on time. I also have the letter from PeenyMac saying they were in error marking us late for XX/XX/XXXX. Also the paperwork for my new mod loan. 

I 've sent several emails to PennyMac, which I have copies of from their website. I 've spoke to several reps. Who have incorrect information and I 've faxed all my paperwork to them. 

Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (WA).
Issue: Closing on a mortgage

Complaint: Could you please help me, 1- I had a mortgage loan with 360 Mortgage which was paid in full and on time. XXXX Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the XXXX credit bureaus I found 360 Mortgage had me listed as late. 

3- I have contacted the XXXX XXXX XXXX at least 4 times but 360 Mortgage keeps giving me the same Letter indicating the loan was paid off on time but the 3 credit bureaus need for 360 Mortgage to contact them to resolve the discrepancy. I do not know what action to take any longer. I even asked for upper management help to no avail. ( XXXX XXXX XXXX XXXX ). Please see the 360 mortgage letter below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Prepaid card (Payroll card) with CITIBANK, N.A. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: , XXXX XXXX, Il, XXXX, entity number is XXXX, and the address in Delaware is XXXX, according to the CA Secretary of States XXXX XXXX. So, this company is a customer of the prepaid city payroll. I am not speaking about other Sears, but only what happened to me, that since I was added to their account, and the management kept it a secret, they had also all the powers to control it, spend it and so on. That 's explaine, why I could not get any statements from them, and was fed tomorrows. I have every check that was deposited on the statements and every XXXX says that the money were deposited into checking account, ending XXXX ( I am not going to put it here, but I will send to you ). And, of course, it was not my account, it was their account. These people, I worked for, were living of me. Shame! I want justice, and I want all the refund. Not only, how emotionally had they broke me, not even including. Thank you. Please, I will wait for your response. MY phone number XXXX XXXX XXXX. Thank you, again, with all my respects, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received numerous threatening calls from Account Receivable Solutions, Money Recovery Nationwide and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1.  Money Recovery Nationwide- XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.

Company response to consumer: Closed with explanation