milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account was the responsibility of my former spouse XXXX XXXX XXXX ( XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to XXXX, TransUnion and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A fraudulent account was opened in my name XX/XX/XXXX.  I became aware of the debt on my credit Early XX/XX/XXXX. I have contacted USAA 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. USAA has not sent proof that the debt belongs to me. In XX/XX/XXXX I called XXXX   fraud department to dispute the validity of the debt on my credit. The XXXX  fraud representative has called USAA on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XX/XX/XXXX I once again called USAA I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. USAA refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by USAA to verify my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (NY).
Issue: Account opening, closing, or management

Complaint: I leased a vehicle in XXXX and the lease was serviced by US Bank. At the end of the three year lease I decided to purchase my vehicle. I took a car loan with XXXX for the payoff amount and a check was issued to US Bank on XXXX/XXXX/XXXX for the purchase price of the car plus the sales tax due on the purchase of the car. I knew I had purchased the vehicle ; however I never gave any thought to the title. Out of sight out of mind, as the saying goes. 
I decided to trade in my car this month as I have had major costly mechanical problems this year. At this point I realized I never received the title for the car when I purchased it in XXXX. I called US bank on XXXX XXXX, XXXX and explained that I had never received my title. They confirmed the check they had allegedly mailed to me with the title was never cashed. I explained I was selling the car and needed the title as soon as possible. I called again on XXXX XXXX, XXXX XXXX the customer service representative stated US Bank would need to send me a letter, requesting {$55.00} to cover costs of securing my title. I was advised the {$55.00} was to cover the cost of mailing the title & check priority shipping. I became very upset as I was informed I could not pay over the phone with a credit card and the letter had not been mailed as of XXXX XXXX. I reiterated that I needed the title urgently and expressed my opinion that my title was being held hostage by US Bank. The did not send the original title by certified mail, why should I have to pay {$55.00} for a title they were responsible for sending me 3 years ago? The customer service representative stated they sent a follow up letter in XXXX, again not registered or certified. It is highly unlikely XXXX very important pieces of mail from US Bank would get lost by the US Postal Service. I truly believe the title was never sent. It is now XXXX XXXX ; and I have yet to receive the letter from US Bank. I have obviously lost the car I had negotiaited to purchase, but even worse I am paying a car loan for a vehicle that is not being driven because of serious mechanical problems. It is disgraceful that US Bank accepts no responsibility for a ball they dropped almost three years ago. What do I need to do to secure my title and the check for the sales taxes that they have had for almost three years? I am desperately in need of some assistance to secure the title and the sales tax payment. Thank you in advance for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Nation start starts calling on the XXXX of the month 3 times a day. They push on me verifying personal information and they get very rude, when I tell them I do n't give personal information over the phone. I have told them multiple time that I cant talk due to being at work and they call right back. I have asked they contact me by mail only and they still keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with Gurstel Law Firm, P.C. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received information from Gurstel yesterday XXXX/XXXX/XXXX trying to garnish my wages for a private student loan for XXXX XXXX XXXX. Per attorneys that I 've contacted there is a class action lawsuit against XXXX XXXX XXXX for their collection tactics and they 've been advised to stop all collection efforts on their private student loans until further notice. Gurstel has continued to harass me and try to collect. They are currently sending letters to my employer to garnish my wages. I am currently the head of household and this will cause a severe hardship for me. This loan is over XXXX XXXX XXXX. Please advise what recourse I may have with this company. They have added on {XXXX of interest on a XXXX  original loan. They will not accept any payment arrangements that I 've attempted to make with XXXX at Gurstel.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX and Covergent Outsourcing Inc applied a debt to my social security number for ( XXXX XXXX XXXX regarding account XXXX that was n't in my name it was in the name XXXX XXXX XXXX Not XXXX XXXX XXXX for a debt of {$660.00} to {$1200.00} upon disputing and sending police reports and identity theft affidavits and proof of residence the mailing came in ( XXXX XXXX ) and now Have My Name XXXX XXXX XXXX on them this was clearly a fraudulent account not in my name or social and is affecting my credit

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 12-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Was in IBR repayment plan. 
Applied for rePAYE through XXXX rePAYE application was approved. 
After this, a {$5.00} payment had to be paid to transfer into rePAYE. 
Despite being signed up for direct deposit, autodraft payments, the payment was never drafted. 
After non-payment, the account was considered delinquent, the rePAYE approval was denied and it has been a nightmare to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Checking account) with COMMERCE BANK (MO).
Issue: Deposits and withdrawals

Complaint: i went to deposit my checks on XXXX/XXXX/2016 .The teller informed me the checks were on a 15 day hold because they were from out of town. i informed here XXXX was a gemeral motors penison check and i have been banking here for over 25 years. teller stated she would have to get her boss ( supervisior XXXX refused to give me her last name ) her supvisior informed me i had too many bounched checks but i tried to explain to her if she put the checks into the bank i wouldnt have bounced and she informed me if i took care\ of my finances i wouldnt have bounced checks. i work with the public and if i talked to a customer like she did i wouldnt have a job. i am so upset i am changing banks after 25 years she dosnt know why my finances are perfect or why occ i have a bounched checks thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have been sick since the beginning of the year where I was hospitalized in XXXX for 2 weeks I started to get better but due to the lack of income I had to defer two payment back in may I have exhausted all savings and so has my family I continued to make my payments in XX/XX/XXXX through XX/XX/XXXX as I went back to work however in XX/XX/XXXX my doc advised that my XXXX was dropping again due to the XXXX attacking my XXXX XXXX it is throwing my body out of whack well my doc said I need XXXX again or I could XXXX so I have been doing them since XX/XX/XXXX they cost me over 300 each round because I chose the high deductible medical plan I called gm and asked for another deferral because I do n't want to loose my car I need it to get to work and doc appointments I have been waiting on a response for two weeks when the last corp rep advised me not to worry to get a sup involved and they will help me due to my hardship. next year I will be ok because I will have better insurance that will cover my medicines and my XXXX it will cost me more per pay period XXXX dollars per paid period that is why I am asking for assistance because I forsee the problem I am out of money I cant even afford to give my kids a XXXX I did n't ask to get sick but now that I am I have to deal with it the best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed an error on EquifaxXXXX report its been over 2 months no results

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2015, I filed an dispute with Diversified Consultants. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Diversified Consultants never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with U.S. AUTO SALES INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Update for OBM 3170-0011 XXXX I initiated a meeting with XXXX from US Auto Sales months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called US Auto Sales on XX/XX/XXXX at XXXX XXXX asking for a payoff amount. On XX/XX/XXXX my vehicle was repossessed. without warrant. I 'm pretty positive XXXX had something to so with this. XXXX told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting. 
Her neglect has impacted my well-being. The stress in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked XXXX who her Superior was and she refused to tell me, stating she did n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I, have been getting notices from Dynamic Recorvery Solutions, LLC saying that I owe XXXX XXXX Dollars. Aparently when I have spoken to this company back in XX/XX/XXXX, This was a loan amount from XX/XX/XXXX. However, I never used XXXX for a loans. I have asked this company to stop contacting me on this matter, and I have spoken to XXXX. And was told by XXXX that this matter have been resolved. I spoke to XXXX Regional Offices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard Inquiry XXXX Inquiry from XXXX XXXX 2017 XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX 2017 XXXX Inquiry from XXXX XXXX 2017

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern.. 

XX/XX/XXXX XXXX approved XXXX six year loan.. ... ... New XXXX XXXX XX/XX/XXXX After XXXX XXXX XXXX payments I decided to sale ... I owed approximately {$12000.00} to XXXX. 

XX/XX/XXXX Contacted XXXX informed them of buyers offer, and car will be sold in less than 30 days. 
I was advised that If payment was not made in 30 days penalties will be assessed. 


XX/XX/XXXX Receive check from buyer ... .... {$18000.00} ... XXXX profit.. Car sold.. 

XX/XX/XXXX New buyer in route ... ... .Check in hand.. 

XX/XX/XXXX Car repossessed ... ... No communication refuse to talk.. 

XX/XX/XXXX Bank auctions car for {$12000.00} ... .. Charges me {$7500.00} and destroys my credit ... 

This was a crime.. 

Please help ... 

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 explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with MIDCOUNTRY FINANCIAL CORP (AE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Step 1 : What is this complaint about? 
XXXX pulled my credit report without my permission. When I asked why, I was told that the representative was not willing to put the reasons why in writing. 

Step 2 : What type of problem are you having? 
I have never used XXXX services before. I want to know why my credit was pulled, and why is this still an ongoing thing. 

Step 3 : What happened? 
Back in 2011, I tried to purchase a plane ticket for my son, to fly him to where I was stationed in XXXX XXXX, Wa. The military would not book my son a ticket on the same airline because they did not partner with them, so I told XXXX I would not be needing their services. I never used the ticket. I have spoken with them numerous time, but they are still showing up on my credit report as delinquent. I do not owe them anything. 

Step 4 : What company is this complaint about? 
XXXX Services Step 5 : Who are the people involved? 
Just myself and 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 08/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: We are a third party firm contracted by the borrowers towards getting a short sale of their home completed. Midland Credit Management , Inc is a junior lien holder of approximately  {$10000.00} in debt from the borrowers. We have made repeated attempts to get them to accept less than the full amount due in order to get the short sale closed and completed, specifically because if the property goes into foreclosure they will not receive anything. 

We have asked for a partial settlement, thereby releasing the lien on the property and even having them not waive the remainder of the deficiency to complete more debt collection offers and they are not allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The online credit report at XXXX states " XXXX steps to your free credit reports ''. Its is not true, these steps dont work and havent worked for over a year as far as I can tell. After you fill in all the info about yourself they tell you that you must write them. When you write them they tell you some information is missing and you do n't get your free credit report. Why do they falsely tell you its an online credit reporting system when it is not. I got an alert regarding my credit and dont think I have time to wait for all this unnecessary delay. Its obvious, they want to stop doing this by putting these roadblocks in front of people. When is something going to be done about these crooks? I know that Im not the only one this is happening to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 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: XXXX  you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF

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 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent XXXX a request to investigate some accounts from my credit file and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On  XXXX   XXXX  , 2017, I  went t o Capital One credit card website to dispute a charge that was on my credit card. As I was trying to dispute the account I wanted to go back to the next window to get a phone number for the company that put the charges on my account. The word " cancel '' came on the screen so I pushed " cancel '' and instead of going back to the other screen while trying to dispute my account I pushed this word thinking I was going to go back to the dispute page. This cancelled out my credit card that had been using for the past two few years!! I called Capital One to see why I could not use my card they stated that there were fraudulent charges. I told them " no '' I wanted to go back and dispute the charges but the only button available was " cancel '' I asked to have my card reinstated because there were no fraudulent charges I still have the card. Capital One stated that th ey would send out a replacement card. It has been two weeks and I have been waiting on my card in which I need for emergencies but do not have at this time!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I had a care credit card, and I called in to make complaints and was basically blown off. They did not want to assist me with any complaints regarding any complaints or anything. I am dissatisfied with a service I was provided. I called in and a rep told me he had too many things in front of him to deal with 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