milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld System Inc has contacted me three times, once at home and twice at work. All three times I have informed them that I paid XXXXXXXX XXXX XXXX and they keep telling me it is not paid. 

The amount in question is XXXX Dollars. 

XXXX XXXX received it no later than XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told Midland Credit that the number they are calling is a cell phone please stop calling me its using my data. They are calling from different numbers i have to continue blocking each number. They also say it in a mubbled voice thay the call may be monitored and i couldnt understand anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX  XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX XXXX date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXXXXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to 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 non-monetary relief
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (SC).
Issue: Trouble during payment process

Complaint: I had refinanced my mortgage with PNC bankXX/XX/XXXX {$1800.00} was posted to my escrow account and everything was fine in XX/XX/XXXX PNC deducted {$1400.00} with no warning or explanation I called them and asked why they could n't tell me and would have somebody call me back a XXXX XXXX XXXX XXXX eventually called me back in XX/XX/XXXX but could not give me an explanation to why this amount was taken and would call me back its now XX/XX/XXXX still no call back PNC since then have made other major errors one being mailing XXXX XXXX ( my insurance company ) a check in the amount of {$2900.00} from my escrow account my escrow account now shows I am in a minus XXXX XXXX did call me and said they 'd returned the funds to PNC bank but it does n't show as a credit on my statement I feel PNC bank are a very un professional but what can I do they seem to be able to do what they want its a disgrace

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with GreenSky Trade Credit, LLC (ID).
Issue: Problem with the payoff process at the end of the loan

Complaint: The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. 
The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX XXXX, I applied for forbearance on my student loans, which are serviced by XXXX XXXX. This deferment was for only THREE WEEKS ... from mid-XXXX to early-XXXX. This was done to postpone payment while my monthly payment amount was being recalculated. No payment was made in XXXX, but the account is still in good standing due to the forbearance. I then made a payment for XXXX ( after the recalculation ) on XXXX XXXX ( before the forbearance even ended ). 

Prior to this forbearance, in XXXX XXXX, my credit score was XXXX with Trans Union as reported by XXXX XXXX. The score was XXXX with Trans Union as reported by XXXX XXXX. On XXXX XXXX, XXXX I received emails from both XXXX XXXX and XXXX XXXX about my latest credit score. I get these emails frequently. However, I checked both XXXX XXXX and XXXX XXXX, and both had my Trans Union credit score as XXXXOVER 40 point drop in less than a month. This is a MAJOR drop. Nothing has changed in terms of credit card debt usage, debt, late payments, collections, public record, etc. Nothing has occurred that would warrant a drop of over 40 points. To put this into perspective, some bankruptcies will cause a score to drop by as little as 100 points. See attached, labeled documents. XXXX XXXX indicated that a change had occurred because TransUnion reported a more than 10 point drop in score. 

Since both XXXX XXXX and XXXX XXXX are free, I immediately questioned the accuracy. I therefore purchased my TransUnion credit report directly from TransUnion, order # XXXX ( screen shot attached ). The actual TransUnion report verified the information provided by XXXX XXXX and XXXX XXXX : my credit score had dropped to XXXX. Again there is no logical reason for such a dramatic score decrease other than the student loan forbearance. 
I phoned TransUnion and spoke to a customer service member. I asked her why my score dropped over 40 points, and she would not even verify that the score did drop. She would also not tell me any reasons, other than generic reasons like credit card usage, late payments, etc. TRANSUNION CUSTOMER SERVICE PROVIDED ABSOLUTELY NO REASON FOR THE DRAMATIC SCORE DROP. 

Most would come to the same conclusion : TransUnion dropped my credit score due to my 3 week student loan forbearance. The timing coincides with the forbearance and other factors have not changed. 

As a result of this TransUnion decision my credit has gone from an " excellent '' rating to a " good '' rating. This lower score impacts my ability to get a loan and causes me to pay more interest.

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 11-03-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Hi my name is XXXX XXXX we bought a house inXX/XX/XXXX let me tell you when I mean going through the process of this was a total nightmare. We were first told 45 to 60 days that started in XXXX XXXX in XXXX we were told I only needed one thing to finishe that took a month going back and fourt with underwriting and lender. Then in XXXX we were told the house was ours that was on a Thursday we were scheduled to close on Monday on the Friday before we were told the person handling our file no longer works there and we have to start all over again from the beginning. Collecting bank statements, check stubs employment verification again why the others we already got couldnt be used I do t know. This took another 3 months now doing this whole time my husband who is XXXX and has major health issues goes on a XXXX at night we were forced to live in a motel paying {$400.00} a week. Then finally the day before we closed the underwriting calls and ask if anything happened to my husband could I handle the house payment. That right there is illegal we feel like the whole process was a big joke and we were being played. Now at the end of XXXX we were in the Hurricane I missed days from work caught XXXX. I was told if we called our mortgage company they would work with us. Oh ya they are working with us alright told me I could have a 3 month forbearance pay what I could. I asked the gentleman I spoke with if I was gon na get penalized for not making a payment and if I was gon na have to make a large payment in XXXX he told me no. Big lie now I find out I gave to come up with XXXX by XXXX first. Im afraid to ask for mortgage assistance for fear of being put through the run around again I dont wan na lose my house I can handle the payments we just got put in a situation with the Hurricane.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This compan y, Transworld Systems Inc. keep s calling and leaving messages that we ( they do not specify who they are calling for ) have an outstanding debt that they are calling to collect. They do not say who, where, what amount. We have no outstanding debt. I do not know what this is about and do believe if I call them to " resolve '' the problem I will get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I previously filed a complaint against Equifax in regards to student loans that I have being serviced by XXXX XXXX XXXX. The issue was addressed and the accounts were corrected accordingly. 2 of the loan sequences, which are private loans under the name XXXX XXXX, were corrected and now they are reporting inaccurate information again in regards to late payments. I 'm very upset about these changes and this is seriously affecting my credit score. I have included screenshots of the corrected reporting that was displayed on XX/XX/XXXX and the incorrect reporting that is now displayed on my Equifax consumer report last reported on XX/XX/XXXX. My student loan accounts with XXXX XXXX should be reporting 0 late payments as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage transferred our mortgage as of XXXX XXXX ( though the customer service agent reported it was as of XXXX XXXX ). On XXXX XXXX, I received a notice of preforclosure via certified mail from Nationstar dated XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with GreenSky Trade Credit, LLC (CA).
Issue: Arbitration

Complaint: Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. 
the account. I received a letter today that they without permission opened the account and charge me XXXX. 
Please contact me regarding resolving this issue, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I called to speak with someone today ( XXXX ) about late payments in regards to my student loans for last year. When I mention to the individual I was speaking with that I never received anything in the mail or an email in regards to making payments once I graduated college in XXXX of XXXX ( however I was allowed to walk but had to complete a class for 3 credits which I never recieved ). The fact that these late payments are on my credit history are having a very negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: An offer was submitted for review on a system called XXXX ( very bad and difficult system to navigate ) and the lender informed my authorized 3rd party that they needed to have the Property released from my Bankruptcy. once it was released they asked to submit a new offer and voided the previous offer. I called this morning and asked to speak with someone who then informed me that they required 37 days to review and that the schedule sale date was too close and they would cancel the new increased offer which would have been submitted today. They also said that Bankruptcy should n't be used as a tool to stop the sale. Which i think is a matter of personal opinion as i will fight to keep my credit and avoid a foreclosure altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX is not only trying to collect a debt that I do not owe, but who they are claiming is the original debtor ( XXXX XXXX ) is a company whose services are not even available to me at the location where I have lived for over five years. I moved to Washington State over five years  ago in XXXX of 2012. In addition to this fraudulent attempt to collect a debt I do not owe, this company has posted a derogatory remark regarding this fraudulent debt to my XXXX Credit Report that has harmed my credit score.

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 05-03-2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 04/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Centron Services (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Wife, XXXX XXXX XXXX passed away back in XXXX XXXX 2014 and Credit Systems from XXXX MT has sent me a letter saying I owe an amount of {$8600.00} all from medical bills she built up before she got on Medicade in XXXX. The account number is XXXX under XXXX XXXX. I had just paid off my own debts and plan to move to XXXX within the week of this submission. And simply can not pay and debate on filing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

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