milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries are on my transunion credit report that i do not recognize. I have contacted the companies for a signed application in my name or a proof of ip address where these inquiries were made from and they directed me to the credit bureau. I contacted Transunion but they could not help me and were unable to resolve the issue. 
Below are the inquiries in question.
1- XXXX XXXX XX/XX/XXXX 2- XXXX XX/XX/XXXX 3- XXXX XX/XX/XXXX ( DUPLICATE ) 4- XXXX XX/XX/XXXX ( DUPLICATE ) 5- XXXX XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7- XXXX  XX/XX/XXXX 8- XXXX XX/XX/XXXX 9- XXXX  XX/XX/XXXX 10- XXXX XX/XX/XXXX 11- XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13- XXXX XXXX XX/XX/XXXX 14- XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 08/14/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Trouble during payment process

Complaint: From XX/XX/XXXX to XX/XX/XXXX I i made my mortgage payment of {$1100.00} principal interest and insurance and taxes to freedom mortgage. Beginning XX/XX/XXXX to XX/XX/XXXX they accepted my payments as partial payments then would not apply it to my account. When I asked why I had a late fee they told me they did n't accept partial payments. What happened was my escrow account had increased due to increased taxes of which I did n't realize that had happened. I feel that is wrong not to accept my payment then not return it and still charge me a late fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I was reviewing my payment history with Loan Care AKA XXXX and I noticed on XX/XX/XXXX that in the amount paid column there is a figure of {$220000.00} when I questioned this with Loan Care they were unable to answer my question and forwarded it over to Payment investigations for review. I purchased my home in XXXX for {$180000.00} so this amount is puzzling to me as I have never seen any paperwork with this amount on it. I did go through a modification XXXX but was never issued any disclosures. I was only provided paperwork to sign and return. I am trying to figure out what this amount is as I have never seen it anywhere before, my current balance on my mortgage is {$120000.00} and my home appraised for XXXX in XX/XX/XXXX and they are still requiring me to pay Mortgage Insurance which is only if the LTV on your home is over 80 %. 80 % of XXXX is {$190000.00}. I feel as though something is not right with this. I want to be treated fairly and feel I am being overcharged by having to pay MI and I also do n't understand where this figure of {$220000.00} is coming from as I would NEVER agree to that. I work in the mortgage industry and am aware of how mortgages work. Can you please look into this and advise me of anything you can find out. Loan Care is unable to provide me with an explanation as to this figure. I 'm concerned that I may have been taken advantage of as the balance of my mortgage is well below 80 % LTV and I am paying MI in the amount of XXXX per month and also what is the {$220000.00} figure that is showing up. My initial loan amount was {$170000.00} and the purchase price of my home was {$180000.00}. Please advise 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 03/29/2016 about Debt collection (I do not know) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account is pulling my credit score by being on my credit. please remove this account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Alco Collections, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 
I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX  credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 
Who verified this account? What documents did they use to verify? Where are the documents used to verify? 
The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.

Company response to consumer: Untimely response
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Bank account or service (Checking account) with DISCOVER BANK (NY).
Issue: Account opening, closing, or management

Complaint: Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CMRE  continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated.     When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated.     They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me.     I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers.     All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the last few years I have received repeated calls from various collection agencies for a debt that is not mine. They are calling for my ex husbands son. I have been divorced for XXXX years and he has never lived in my home and I have no relationship with him. I do not know how he continues to be associated with me or my family since the marriage was disolved a long time ago. When I ask to speak to a supervisor, I get disconnected. I have asked for them to stop but it seems to shift from agency to agency. Any adivice you can provide would be greatly appreciated. None of the agencies will tell me how they got my name and say it 's to protect their client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several complaints and issues wirh my loans. First of all, the school that my ex husband & I attended was closed soon after we left. We find out that the credits attained through the programs there were not transferrable to a 4 year university, therefore, I had to stsrt all over again through another accredited college. The aid I received was not beneficial and attending that school, XXXX, was a waste of 2 years. Secondly, my husband & I are now divorced but since the loans were consolidated, they are on my credit negatively and I 'm told there is nothing I can do to separate his loan from mine. That does not make sense as we are divorced. According to our divorce decree, he has been ordered to pay his portion of his student loan debt which ca n't even be enforced so it is affecting my credit negatively. This needs to be changed immediately!!! The circumstances under which we received the loans in the first place were WRONG. I 'm so upset by how this is still affecting me years later. If there 's any way to resolve this issue I would be truly grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Managing the loan or lease

Complaint: I have a vehicle financed with Prestige Financial. I noticed within the last few weeks they have reported my principal balance as being higher than in previous months, while making my payments. After inquiring with them, they have NOT had this information corrected with the credit bureaus, as a matter of fact, they told me the credit reporting agencies report what they want. I have asked them since I have brought it to their attention for them to fix this issue. In the meantime, I also noticed that my " principal '' balance online ( when I log into my account ) increases daily. I inquired as to why that is and was told it is a per diem fee .... What is a per diem fee? I do n't recall that as being part of my contract ... XXXX Why do these companies think they can just take and take and take from their customers and if a customer schedules a payment 6 days after the due date, they are harrassing you even though they can see the payment is scheduled and will process in a few days .... With most companies, normally there is a minimal grace period. I just want my account and the reporting to the credit bureaus to remain accurate. I do n't know if there is anything I can do to just transfer my car loan to a different finance company as I do n't want to do business with companies are are dishonest and not trustworthy. Not sure what my options are at this point, but any advice on what I can do legally is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am participating in the PSLF program. Every few months I log onto the FedLoan Servicing website to check my qualifying payments. In XX/XX/XXXX, I saw six of my loans had 7 qualifying payments. I saved that webpage to PDF ( attached ). However, in XX/XX/XXXX I saw those loans only had 5 or 6 qualifying payments. 

When I called XXXX, I was not given any explanation as to why my qualifying payments had been reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MO).
Issue: Managing, opening, or closing account

Complaint: I have a rushcard. I have n't had access to my funds for 12 days. On XXXX my direct deposit of {$1900.00} from my employer posted. However- rushcard has posted it to my expired card. I have been a customer for 3 years. When your card is near the expiration date, you are automatically issued a new XXXX. I received it in XXXX, activated it and had been using it. Then their system went down. When it " came back online '' all of a sudden it would n't recognize my new card number and will only recognize the old expired card- which I ca n't use because it is expired. It 's basically like my new card does n't exist and I have called over 30 times. When they do n't hang up on me they tell me they ca n't access my account. I do n't have food or gas and I need to pay several bills. Also some automatic payments for my bills are being declined because the companies ca n't access the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 05/21/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Closing/Cancelling account

Complaint: Hello, I believe I am suffering injustice from Amazon/Synchrony as this company is adversely affecting my credit score and will continue for XXXX years unless my credit card is re=opened or removed from my credit file. 

Prior to Amazon/Synchrony Bank closing my credit card ; my stellar credit score was XXXX. 

My credit score has adversely dropped and I desire to recover my score to XXXX or above as I am in the process of purchasing my dream home and desire an XXXX credit score and will not meet this expectation as long as this credit card reports closed on my credit file. 

I have done all I can do, to have this issue rectified to no avail. 

I was approved for an Amazon Card. 

I have never been late nor did I owe a balance at the time my credit card was unjustly closed by Amazon/Synchrony Bank. 

Synchrony Bank unjustly checked my credit file and closed my account without my consent due to my credit score had dropped in XXXX 2015. 

I feel violated by Synchrony Bank making an judgement call on my credit which was right after the XXXX and Holiday season which many people all over the country max their credit cards out during the holidays and pay them off in the new year. 

It is my earnest belief, my privacy has been violated and furthermore ; as long as I have made on time payments to Amazon/Synchrony Bank it is none of their business to monitor the balances I owe to other credit agencies as well as my credit score. 

I need this rectified immediately. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX  which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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