milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have attempted to dispute the account with Hunter Warfield with the credit bureaus and they have indicated that the account has been updated. I would like to add that this company is not licensed to do business in the State of Michigan. As such, I am asking that they discontinue reporting that I owe a debt to them. With my recent dispute to the credit bureau, they have also updated my report, adding a family member 's name to the credit report. She has not pulled her report to confirm if they are reporting but if they are, I am requesting that they remove this information immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CT).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/17, a property tax of {$690.00} was erroneously added to my statement. The amount was a pass-through of property tax from the company for my leased vehicle that had been assessed by the State of XXXX and the Town XXXX. 
In addition, my monthly lease payment of {$480.00} was applied to the tax bill, instead of the lease as intended. Not only was the tax payment in dispute, but this act contradicted their own notice that stated that the tax bill would not affect my monthly automatic payment under the 'EasyPay ' program. 
I was on XXXX XXXX and provided such notice to Acura when I began the lease and I continue to serve on XXXX XXXX today. As a non-resident military member, I am exempt from XXXX property tax on the vehicle under the Servicemember 's Civil Relief Act ( XXXX XXXX XXXX. XXXX XXXX. 

Excerpt from SCRA Sec XXXX " XXXX Personal property ( 1 ) Relief from personal property taxes The personal property of a servicemember or the spouse of a servicemember shall not be deemed to be located or present in, or to have a situs for taxation in, the tax jurisdiction in which the servicemember is serving in compliance with military orders. 
( 2 ) Exception for property within member 's domicile or residence This subsection applies to personal property or its use within any tax jurisdiction other than the servicemember 's or the spouse 's domicile or residence. '' I was never given a tax bill from the Town XXXX and I asked the tax to be removed from my bill, pending adjudication of the matter. 

I have provided a signed, notarized, affidavit that was accepted by the town 's tax assessor 's office and a copy of my military orders that both clearly articulate that I am not a XXXX resident and I am only in the state incident to military duty. 
Over the past two weeks, I have contacted Acura Financial Services by phone, email, and letter to no avail. The Financial Services office has passed me from XXXX representative to another and have refused my request for a written response. 
This misapplication of property tax and attempt at reimbursement by Acura Financial ServicesXXXX Company from XXXX XXXX members could potentially effect other servicemember/lessees in the following states that assess vehicles for property tax : XXXX XXXX XXXX only ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX in XX/XX/XXXX-XX/XX/XXXX i graduated with my XXXX degree. when i first signed up for the school the recruiter told me that they where a accredited school i later found out after spending a over a year enrolled with them that was not the case. i was aslo pushed into taking high intrested loans to pay for my time with the school im now over XXXX in debt and un able to pay my student loads facing wage garnishments and struggling to pay for my living expences. navient holds my personal student loans that have an 10 % and a 12 % intrest rate on them. double the fedral rate i hope that some one reads this and i hope that some one can prevent this from happening to some one else. if there are any programs that can help me please let me know and also any pending lawsuits against XXXX i would like to join them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX in XXXX collecting a debt that 's not owed in XXXX as stated by XXXX Insurance Agent XXXX XXXX in XXXX XXXX Auto policy on XX/XX/XXXX XXXX XXXX Policy # XXXX effective XX/XX/XXXX. 

XXXX auto policy # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Policy effective XX/XX/XXXX in which l was still in living in XXXX. 
I moved to XXXX XXXX from XXXX on XX/XX/XXXX and l stayed at XXXX XXXX hotel in XXXX, XXXX until l purchased my new home at XXXX XXXX XXXX XXXX XXXX XXXX. I closed escrow on XXXX XXXX. 
XXXX XXXX insurance debt was carried over to XXXX XXXX XXXX. In which by law you can do that. 
XXXX XXXX in XXXX and XXXX XXXX XXXX are in Federal Violations. 
XXXX XXXX in XXXX are collecting debt through my mortgage company escrow XXXX XXXX XXXX XXXX in XXXX, XXXX since XXXX XXXX they also collecting through a collection company in XXXX XXXX . 
I am been Discriminated and Retaliated because of my XXXX XXXX XXXX and Military Veteran status and on XXXX XXXX Lifetime and l am Retired. 
l am taking prescribed medications for XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other transaction issues

Complaint: There was a charge back issue that occurred as a result of my former bank XXXX. XXXX did an intense investigation and found err on their part and returned XXXX back to PayPal 's merchants bank to be placed back into the sellers account. I have sent them proof from the bank that the funds has been returned via the visa network on XX/XX/2016 and posted into pay pal 's merchants bank account. However pay pal is refusing to give the seller the money ( XXXX ) that is due to him after the bank explained it was error on their part and sent the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had issues with XXXX/Sallie Mae assisting me with trying to repay my loans. When I was not enrolled in school, my loans went into repayment. I told the representative that I could not afford that monthly payment and was there a way to lower my payment. I was told that I did n't have any options other than the monthly payment given or to file a forbearance which is only allowed for a few times during the life of the loan so I did n't want to actually use my forbearance time. Then I was told it would affect my credit if I did not. So it was as if I was forced to use the forbearance time. So I reluctantly agreed to do it because my profression is XXXX so I having negative items on my credit is not an option and could cause me to lose my license. After telling the representative, yes, then she tells me there is a fee to process it and hold it so it does n't delinquent report to the credit report until they get the Forbearance complete. The fee was {$170.00} based on the number of loans I had at that time. Since I did n't want to continue to use my forbearance time because if that 's the only option I have, I need to use it when I really have no option. So I enrolled in a part time in an online problem. Then I get a call from them saying I was due again for {$700.00} and something on my account. I had n't received a notice saying I was back in repayment. I called them once more and told them I was now enrolled in school. They directed me to a form to have my school to complete saying I 'm enrolled in school. My school completed it and faxed the form back to number stated on the the form. I continued to get calls and finally got a representative on the phone. I told the representative that I had my school to fax them the in school form as directed. The representative then tells me, " it 's not our responsibility to check the fax for your forms. Hold on while I go look. '' She comes back on the phone and says, ok we have it and will get the forms processed. I told her thanks and asked her " do you all have any income based repayment plans now? '' She tells me, " umm, that depends. Since you 're in school do n't worry about it. After you get out of school we can discuss what your options are. ''. I feel that I should have more options than forbearance or harming my credit if I can not afford my monthly payments. Why should I fear a program that was intended to help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Over the course of the loans I had taken out I was steered in the direction of forbearance options many times and only offered help in reducing payments one time as XXXX XXXX. Then as Navient took over that option was taken away. After taking out $ XXXX in loans I will be paying back $ XXXX to satisfy the loans on the current plan. I pay more for my student debt than the mortgage on my $ XXXX house!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID theft victim, unknown acct, police report filed

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 03/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have informed Equifax numerous times via online dispute, fax and certified mail that they are reporting a XXXX account on my credit file as if I am or have previously disputed the account in which is incorrect. The creditor stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only dispute that I have about the account is that it reflects as if I have previously disputed the account. I have requested for the additional information reflecting as " Consumer disputes the account information '' to be deleted from my credit file. The creditor stated that Equifax needs to correct their database because the account is not reflecting as in a dispute status. Also, Equifax is the only credit bureau reporting the account as in a dispute status in which is incorrect. Again, this account has never been in dispute other that the fact that is reflecting as in a dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I SENT AT THE END OF XXXX A LETTER TO THIS COMPANY REQUESTING THEM TO STOP HARASSING ME AND TO TAKE THIS ACCOUNT OFF OF MY CREDIT REPORT DUE TO IT NOT BEING MINE

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, the monthly mortgage payments increased tremendously, making it impossible for me to stay current with the loan. The bank started a legal action to foreclosed on my home that same year, XX/XX/XXXX, but the case was discontinue. However, in XX/XX/XXXX, the bank started a new foreclosure action against me. I have been trying to resolve this issue because I have the best intentions to stay in my home and pay my mortgage. However, the bank is not allowing me to modify my loan. I tried to applied for a loan modification but I was denied on XXXX XXXX, XXXX and I was denied as well on XXXX XXXX, XXXX. I am a good candidate for a loan modification but it seems that the bank 's interest is not help homeowners whose best intentions are to pay their debt. The bank 's interest seems to be foreclosing on homes. There has to be something wrong with that. It does not make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I filed chapter XXXX bankruptcy and XXXX wireless was XXXX of the creditors included on the bankruptcy. XX/XX/XXXX XXXX wireless sold the debt to XXXX and they have continued to sell the debt to different people the last five years and harassed me on my credit report to the point where I can not purchase a home. I have disputed this report several times with XXXX fax, experience, and Trans Union. I am a XXXX veteran who is seeking to use their VA home loan. I need a certain credit score and this creditor that was included on the Chapter XXXX bankruptcy in XX/XX/XXXX continues to report negative information to all three credit bureaus regarding this account in my name. the 's preventing me from securing a mortgage. Several attempts have been made to fax mail and send information such as my discharge of debtor and the actual schedule E which shows XXXX wireless as a creditor on my Chapter XXXX bankruptcy. However no one that I 've spoken to up to this moment has taken any action to remove this on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A unpaid medical bill showed up on my Equifax credit report. The problem is I never received those services from XXXX XXXX. I have never been to XXXX of their locations and it is possible someone stole my information. The bill is for XXXX dollars and the date of the charge was XXXX XXXX 2015. This is not me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Consumer Loan (Vehicle loan) with Chaparral Inc (OH).
Issue: Managing the loan or lease

Complaint: I have had my car that is finance through XXXX XXXX XXXX for 2 years as of XXXX. Since XX/XX/XXXX the was no longer reporting. I have back in fourth for almost a year with the finance company and the credit buruea on which both are stating that are not at fault. I also back in XX/XX/XXXX submitted a complaint through this agency Consumer Protection and back in XXXX I stop receiving updates and no response of the status nor when I looked online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: On two consecutive days, XX/XX/XXXX and XX/XX/XXXX ( 2017 ), I tried using the TransUnion online and then the TransUnion phone response systems to freeze my credit. After correctly inputting my personal identification online, TransUnion could not " confirm my identity '' and directed me to use its automated phone system. I tried using the phone system but I got cut off after the outgoing message stated it could not confirm my identity. I correctly answered the questions. As indicated, I went through the process twice. I called TransUnion, waited 35 minutes, and spoke to a representative. She acknowledged that yes, I might get cutoff but I had to use a different TransUnion number. She gave me the number and transferred me to the number - XXXX. I got cutoff after I was transferred and again after I dialed the number directly.

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 06/16/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit line increase/decrease

Complaint: XXXX Pacific - Called Care Credit Synchrony Financial at XXXXXXXXRequested credit line increasePhone system requested salary/homeowner informationPhone system did not ask for permission to do a hard-pull from credit bureau before proceeding. 
Phone system denied credit line increasePhone system confirmed current credit line of $ XXXX was not changed. 
XXXX Pacific - Received email alert from XXXX XXXX Type New InquiryProcessed Date XXXX/XXXX/2015Inquirer Name SYNCBPhone Number ( XXXX ) XXXX XXXX Pacific XXXX Called Care Credit Synchrony Financial at XXXXXXXXMale CSR verified informationExplained to him, I was not given the option to authorize a full hard-pull inquiry into my XXXX report. 
XXXX Pacific - Male CSR connected call to XXXXXXXXXXXX Pacific XXXX She placed call on hold and checked request to remove the unauthorized credit inquiry. 
XXXX Pacific - Female CSR did not have the ability to remove the inquiry once the system pulled it from my credit report. I again explained that I was not given the option to say Yes or No to the phone system before proceeding with credit line increase request. 
XXXX Pacific End CallSynchrony Financial / Care Credit did not have my authorization to proceed with making a hard-pull inquiry into my credit report. The system did not explain my options ( opt-out ) before proceeding. I am requesting the above XXXX/XXXX/15 " SYNCB '' inquiry be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy on XX/X/17. I included XXXX XXXX in that bankrtupcy. My bankruptcy has not been discharged. I keep getting harassing emails from them. I know some could be scam. They need to leave me alone Notice LOAN INFORMATION : Docket Number : XXXX Case File # : XXXX XXXX XXXX Past Due Amount - {$780.00} CREDITOR - XXXX XXXX XXXX Accounting Department of XXXX XXXX XXXX has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your wages will be garnished too. 

The total outstanding amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$2800.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. 

If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX XXXX XXXX XXXX XXXX between XXXX XXXX  to XXXX XXXX ( EST ) XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright 2017 XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Initially I called in and requested my son to be an authorized user on the account and the representative added him to the account he went into the store and the card declined even though I have a $ no balance and a {$700.00} credit limit I then proceeded to call again and a representative and their fraud department said that the card was ready for use a third time since the card was n't ready for use again the second time I called. Now they are requesting Social Security card driver 's license income and basically I do n't have an issue with that but my issue is the discrimination against my personal XXXX.

Company response to consumer: Closed with explanation