milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have attempted to open bank accounts at XXXX different banks in the last year. All XXXX have denied me saying that I have records reported at ChexSystems. I have ordered by ChexSystems report and all areas for Reported Information, Inquiries Not Initiated by XXXX, XXXX, and History of Checks all say " No Information Found ''. I do n't understand why I 'm being denied bank accounts? Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Effective XXXX/XXXX/16, XXXX XXXX XXXX XXXX XXXX XXXX ) sold my mortgage to BSI Financial Services.I made my XXXX 2016 payment of {$880.00} to XXXX and they notified me that my loan adjusted effective XXXX/XXXX/16 to 3.50 % and the new payment would be {$980.00}. As of XXXX/XXXX/16 BSI is charging me {$1500.00} ( with the 3.50 % adjusted rate ). I have contacted XXXX who said that the {$980.00} amount is correct. I have contacted BSI repeatedly and they said that they are working on the paperwork and the correct loan payment amount. My concern is that I will be charged late fees and that the interest rate will change. Today is XXXX/XXXX/16 and BSI has still not resolved this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Auto) with Bridgecrest Acceptance Corporation (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. 
XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent in a copy of my social security card and state driver 's license. My name is  XXXX   XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX  is not my name. My address has never been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SC  XXXX . That address does not exist. My number has never been  XXXX . I have disputed several times and provided documentation.

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 12/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Our account was just transferred to another servicer. From XXXX to SLS. 
All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. 
We had no idea our loan serving had changed until we received the letter. 
SLS sent us a letter of denial for a loan modification that they did not process.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  services is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

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 12/20/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is marking late for payment that are not late. They are cash payments made in a local branch. They are charging me erroneous fees that I never agreed or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of 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 05-05-2017 about Debt collection (Credit card debt) with Law Firm of Katz and Associates, PLLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with GreenSky Trade Credit, LLC (LA).
Issue: Problem when making payments

Complaint: This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. 

This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account.

This requires constant vigilance and calls to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for a loan to purchase a new vehicle. I was turned down because of my credit score. The bank said I had a score of XXXX from Transunion, XXXX XXXX showed I had a score of XXXX. I called Transunion and they said XXXX was incorrect. So I payed Transunion for my correct score which I received XXXX from Transunion on XXXX/XXXX/15. So with this score I tried to purchase a new vehicle again XXXX weeks later. And Transunion sent XXXX XXXX a score of XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Needless to say I was denied credit again! So Transunion sent me with a false hope! I 'm sure banks keep this on file! This must give me the right to file a law suite ! Right! Unless their protected by our great Government!!! Why are there XXXX different scoring methods for credit bureaus? Fico, Banks, Consumers, XXXX XXXX. This is not right! There should be XXXX score for everyone. These credit bureaus suck! Maybe there should be a law that before any credit bureau files any information they should have to contact the person FIRST and make sure its accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was a onlne student with XXXX living in California, I filed a loan with XXXX XXXX as my lender. I got sick and unable to complete my last class, I had to drop from course. I wanted to complete my degree upon requesting my transcript I was made aware that I owed XXXX {$6200.00}, they returned funds to my lender and informed me that it was a private loan and I owed the school. I contacted school and president in XXXX 2013 requesting assistance with getting this resolved, I explained that I willing to make payment but really needed my transcript. I was told needed to pay in full before they would release my transcript. I applied for a consolidation with my lender XXXX XXXX they were willing to consoildation because they have my other student loans from XXXX currently. XXXX XXXX informed me that XXXX informed them they do not have a loan currently for to consolidate. I am currently receiving threatening phone calls from a collection agency called XXXX XXXX XXXX stating that they will be filing a judgement against for XXXX because I have an outstanding loan. I have attempted to seek solution from financial aid office at XXXX. 
XXXX XXXX University my ID number was XXXX phone number XXXX XXXX XXXX XXXX number is XXXX file number 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 05-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Approxima tely 2-3 y ears ago, I was experiencing financial hardship. I defaulted on my private student loans with Navient. I stopped paying because I could not afford to. When I was ready to start paying again, I contacte d Navient in a n effort to set right my wrong. This was appr ox. 1 and ha lf to 2 years ago now. I asked what do I need to pay today to set my accounts current and get out of default? They quoted my a very large number, I remember it was greater than {$3000.00}, but I do not know for sure as it was so long ago. I did not have this amount of money. I explained my situation and asked for more options, however none were given. The one option they gave me was to start paying my loans through a company called  XXXX   XXXX .  XXXX   XXXX  is a debt collector Navient uses to collect debt. I then contacted  XXXX   XXXX  as was told to me to do by Navient. They placed me into a low monthly payment, low-interest repayment plan for struggling borrowers. So for about 2 years now, I have been paying  XXXX   XXXX  {$120.00} per month, which is automatically taken from my account each month through direct deposit. I was under the assumption that everything is fine and that my monthly payments took me out of default and that my payments were being applied to my principal balance. Today,  XXXX   XXXX ,  2017 , I was checking my credit report on  XXXX , as I am attempting to rebuild my life and credit. I notice that for almost two yea rs Navient ha s been reporting to the credit bureaus that I am not paying each month. Each month shows a red box marked " no pay ''. I was shocked by this, since I was under the assumption that I had been out of default with Navient for a long time. I called Navient on  XXXX / XXXX /   2017  and spoke to three different people all claiming that there is nothing to be done, and that if I wanted them to stop reporting me to the credit bureau that I need to pay the entire balance of {$21000.00}. I reminded them that I am trying to fix my credit and I am paying them each month through the only option they gave me, and they simply refused to detract the " no pays '' to the credit bureaus. I am at a loss and not sure where to go from here. I am not perfect and have made mistakes, but this practice does not sound lawful to me. Please let me know what I need to do to fight this. How can someone like me, a single mother, with no assets, and no help, ever get ahead when companies like this make it almost impossible? Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit card from XXXX XXXX XXXX is not mine. I do not think it is fraud because I called them and they can not find my name or personal information in the system. It is simply a mistake. They put someone else ' s information on my credit report. It 's been there for years. Fortunately whoever has this credit card is paying it timely, but it 's not mine! How can I get this removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax stated they verified bankruptcy that is on my CREDIT report with XXXX XXXX. XXXX account has a security freeze on it and representative from XXXX XXXX stated they did n't verify any information with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The problem I had was with Hunter Warfield collections regarding XXXX XXXX Apartments. The apartment company charged me and my XXXX roommates for staining of carpet due to my roommates cats XXXX. My roommates told XXXX XXXX Apartments that the cat XXXX was their fault and to take me off of the fine. My roommates eventually settled in small claims court and the fine was taken care of. This bad credit report was never taken off. It needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Navient keeps adding disputes on my credit report.I contacted navient about the problem in XXXX on a conference call.They stated that they removed the 90 days last disputes on XXXX XXXX 2017.These disputes are fraudulent by navient because I was in deferment and forbearance during these times.Navient was not supposed to mark my credit and add 90 days late and disputes during this time.The agent told us that they removed the disputes and was sending me information about the disputes being removed.Instead navient sent me papers about deferring and forbearance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$570.00} was deleted from my credit report in XX/XX/XXXX due to lack of validation. However, the account was added back to my credit report on XXXX XXXX, 2017. Despite constantly disputing this debt with Experian, the debt still remains on my account. Per the Fair Credit Reporting Act, I was not alerted within five days ( or at all ) that the debt would be added to my credit report and I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

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 11-04-2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (UT).
Issue: Taking out the loan or lease

Complaint: Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a inaccurate CHASE account with XXXX multiple times. The data reported bankruptcy status XX/XX/2011, debt amount, pay history to name a few are completely inaccurate and un true. 

I would like Chase to send verification and validation of the debt they are reporting to XXXX

Company response to consumer: Closed with non-monetary relief