milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; Trans Union ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly 700 to 577 without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXXXXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, XXXX XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in XXXX, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Payday loan debt) with WLCC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/17 - called my cell phone one time. ( I did not answer ) XX/XX/17 - called my work line 7 times ( between XXXX-and XXXX ) in a row after I politely told them to please stop calling that number. Then the lady proceeded to threaten that the next call would be to my manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX  With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.

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 09/20/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency continues to repeatedly call my cell number, as well as my parents and other relatives ' home and cell numbers.

Company response to consumer: Untimely response
Consumer complaint received 05-09-2016 about Debt collection (Medical) with Data-Central, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: BANK CONTINUES TO SAY WE ARE MISSING A PAYMENT WHICH WE ARE NOT WHICH HAS THEM SAYING WE ARE LATE AND THUS HAVE N'T ADDED OUR PAYMENTS TOWARDS OUR MORTGAGE LOAN. WE HAVE BEEN IN CONTACT WITH OUR LAWYERS AND HAVE SPOKE TO OUR LENDER ON NUMEROUS OF OCCASIONS AND NOTHING SEEMS TO BE HAPPENING.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years. 
We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT. 
Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive. 
The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions. 
The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly. 
There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action. 
We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing. 
We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter from Chase bank that they are closing my account due to inactivity, even though I have made at least one purchase a month with the card for the last three to four years. I made two purchases this month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent letters to   XXXX   to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Premier Student Loan Center was a third party company that called me about student loan forgivness. I jumped on the idea as I had heard about it and was struggling to make payments. The company told me I had to pay a fee to enroll and then I would have to pay just XXXX dollars a month for 20 years which would cover my loan, totalling at around XXXX total. as opposed to XXXX and change. Apparently, they were going to lie about my income to have my loan not be paid at all. Meaning they would report I make so little that my payments would actually be zero ; that is until my income is shown to be more, in which case I would start to pay my loan back again, while still paying them the total of XXXX over 20 years. 
Originally I was told that the XXXX was to pay off my loan. This is incorrect because the company gets 100 % of that money. While my loan would 've only been deferred until I show that I make more money, in which case intrest would still be growing on the loan, etc, etc. 
It was false advertisement and In the long run I would 've paid the XXXX and change plus the XXXX to premier student loan center. Which is no way to help a student forgive their loan.. Pretty messed up if you ask me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: At the end of  XXXX  I was told that my only option for my student loans was to use the last of my deferment an that I would n't have to make a payment until  XXXX   2017 . In  XXXX  I got a call saying I was past due on my loans. I called an they said that I was past due an could make my account current with the past due amount. I told them that back in  XXXX  I was told I would n't have to make a payment until  XXXX  an the person I spoke with did n't understand the notes that were wrote in  XXXX . He then proceeded to tell me that my co signer could make the payment for me even though I had told him I am no longer working an my husband was in the process of a job change. He said I would need to do a hard ship to see that I could qualify an that they could lower my payments. I sent in the form an today I was told that their is nothing they can do to lower my payments an that when we get back on our feet to make a payment. They have been harassing me an my cosigner with phone calls, even though I was told they would stop calling an make  a note in the file that I could not make a payment. I have looked at refinancing but I just do n't have the credit score or income to qualify. I am hoping that this complaint can help an get me somewhere as I feel like no matter what I do or who I talk to I get a different thing or the run around of an answer. They do n't seem to care about my situation an it just seems they want to make money off me no matter wha t my situation is!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans defaulted after college. I have since gotten them through a debt rehabilitation program that was supposed to clear the delinquency from my credit reports. 

In the years since my credit reports have continued to report a severe delinquency regardless of how much prompting and calling I do. According to XXXX the info has been sent to all of the credit agencies, but they all allege that they never received anything. 

I don't know what to do short of hiring a lawyer at this point and since it makes all loan requests automatically rejected it's prevented my from making any moves to buy a house.

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 Debt collection (Medical) with HOVG, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Experian complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I aaked got assistance many times, including forbearance. Many times i was told i would be sent out the proper paperwork to fill out so i can receive the forebearance. The paperwork never came. When i would call again a few weeks later they would say that there was no notice on my loans about forebeaeance, or that the agent never sent my paperwork. This cycle happened many times. On separate occasions

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX is reporting on my credit reports a collections account that is not mine I never opened credit cards with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Bank account or service (Other bank product/service) with FLAGSTAR BANK, FSB (MI).
Issue: Account opening, closing, or management

Complaint: I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.

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 02-06-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My student loans were previously managed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( " Great Lakes '' ) before being transferred to XXXX XXXX in XX/XX/XXXX. I'm concerned that the information transferred was incomplete, most importantly regarding my past qualifying payments. I requested that all of my records be provided to me via email through their customer service webpage and received an email on XX/XX/XXXX, notifying me that they would be sent via email per my request. Nothing happened. 

I lost track of the request that they didn't fulfill and reached out again in XX/XX/XXXX, again with no response. I think as a borrower these documents should be well organized and stored by the loan servicers. All I want is proof that I have made more payments than are currently on record because I'm a public employee and hope to use the Public Student Loan Forgiveness program. It would be unfair if all qualifying payments weren't counted due to poor clerical management on a private company 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXXXXXX , IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Transaction issue

Complaint: Opened card at banana republic. Wanted to pay it off next day. Website was very difficult. Was told by rude representative that card will not be delivered for seven business days, and that I ca n't make payment without incurring a {$10.00} fee for a {$200.00} bill before getting my card. I will be traveling for the next month, at which point I will be in delinquency status, so I 'd like to get this done now. Only there is no way to do it. That seems quite ridiculous and unfair.

Company response to consumer: Closed with explanation