milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my requests to investigate and remove accounts from my credit file that do not 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 explanation
Consumer complaint received 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian has allowed XXXX XXXX and others third party companies to pulled my credit file illegal purposes. I did not authorized anyone to pulled my credit profile. XXXX XXXX has pulled and damaged my credit profile on XXXX separate transactions. And has caused a drop in my credit scored. I contacted The XXXX XXXX and Experian and both have fail to do any thing or removed the items. 
Experian has been sued for credit reporting violations. Crooked collection agencies are being allowed to access your personal information and place unjustified black marks on your credit reports. Experian fails to take adequate measure to prevent this. Meanwhile, your personal information ( everything an identity thief needs to know ) is sold indiscriminately from company to company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, XXXX I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.

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 06/17/2015 about Debt collection (Federal student loan) with Performant Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The collection agency contacted my XXXX friends trying to find me for several months until I blocked on account. When I got hired at my new job in XX/XX/XXXX, the collection agency was calling my coworkers and my boss in trying to find me. The collection agency is charging me {$60000.00}. 

In XX/XX/XXXX I was fired from my job. During the summer of XX/XX/XXXX my XXXX friends starting messaging me that are being harassed by phone calls from a woman " looking '' for me for a job opportunity, and if they knew how to get a hold of me. These were people I have not seen since high school. On XX/XX/XXXX I was hired at my current job. I was on a XXXX month probation period until a permanent hire position. In XX/XX/XXXX, my co workers and my Boss got phones from a woman looking for me ... ... ... this XXXX me out!!! and was in fear of being fired. This harassment went on for XXXX months. 

In XX/XX/XXXX, I was notified by my employer my wages were being garnished and my federal income tax refund was garnished. I have spent many hours and days on the phone trying to talk to someone and get original paperwork. XXXX of the reasons not to garnish my wages was if I was at my job less than a year and was fired from my last job. I sent them proof of my paperwork on XXXX cases XXXX times!! and they denied ever getting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have complained about this company XXXX through the CFPB and wrote both times that they were to stop calling any number they have for me. The XXXX complaint got no response and the XXXX XXXX I was un able to access the respone on the website. The CFPB said that the company recieved both comnplaints so I know they have seen the do not call me anymore message. Also I have disputed the known debts from this company and that should also be on record with the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company ( Portfolio Recovery Associates, LLC ) which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the business failed to provide adequate proof. Considering this business does not have a binding signed contract with me for goods or services that they have provided. Therefore I am not obligated to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take proper precautions with my PII and carelessly exposed it along with millions of other peoples PII. Data should not have been able to be accessed via a web application, and it absolutely should have been encrypted. now they are making money on all of those who are effected having to pay them to freeze their credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had a loan of XXXX in 2007 ... .I could n't afford the payments at the time and had to due a forbearance.mthat initially racked my bill up to over XXXX ... this has been hauntin me for years ... I can not get a loan to buy a house or get a car..please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with PNC Bank N.A. (IN).
Issue: Closing/Cancelling account

Complaint: My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This loan was taken out in   XXXX  . I have called Department of Education and submitted documents letting them know that this is fraud and I never took out a student loan or attended this school. Every year they tell me they are investigating this matter and no results. They are garnishing my wages and have taken my tax return and still have n't given me any results or showed me any paperwork from this loan

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On the XX/XX/2018 I made a purchase for XXXX on my discover card XXXX XXXX music which was declined and I then pay with cash .but the fund just disappears from the card. At one time the funds was showing on the account as pending and then its disappear but the funds are not on card. I called several times to discover and the merchant but nothing was being done. Every time funds just disappear from the account I called several time and talk to the supervisor and customer service and they are saying the the funds will show up the next business day, but no funds never show up on the account. I do hope someone could help me with this matter as soon as possible. I am sure There are many innocent people out there who are being rip off by this company and didnt knew.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed the negative information reported by XXXX since XXXX XXXX 2017. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history unfavorably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Hi, I applied for a Federal Student Loan after transferring schools this semester. When I applied, I was denied because I was in default on a prior loan. I had no notice of the default until after I was unable to get any student loan. I never received notice that I was supposed to begin paying a loan or even close to being in default on a loan. Had I known that I was close to being in default or missed payments, I would have handled this situation before going into default. I had a federal loan through Nelnet. They hired a debt collector, called XXXX XXXX XXXX. I was told to speak with the debt collector since they are now handling the loan. I have called numerous times for the past two weeks, and have never been able to speak with them. I left voicemails, emails, called again and again. Nelnet never notified me that I had missed payments, or that there was anything I could do. Instead, I found out about this situation when I was unable to obtain a loan for school. It is my understanding after speaking to Nelnet that my loans were no longer deferred because I did not meet the half time student requirement, but I was never notified of that. I am a full time student again, unable to get any loans for school, unable to speak to the debt collector because they won't respond. I have tried everything else to try to handle this, I understand a default ruins credit and I do not want that. I also am unable to get any more loans for school and don't know what to do. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I went to an ATM and tried to withdraw funds from my checking account. My account was debited {$400.00}, but the cash was not dispensed from the ATM. I contacted USAA the same day to initiate a ATM dispute. They advised me that it takes five to eight business days before the claim is picked up by a technician. It is the holidays and I asked if it could be escalated, which I was advised that they would put a note on the dispute. We are now on the ninth business day and no one is able to provide me any type of update in regards to my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IA).
Issue: Struggling to pay mortgage

Complaint: I h have a mortgage through Ocwen, I did miss a few payments but two months ago I resumed making payments and they started sending them back. They said they would not accept any more payments on the account unless I could bring the account completely current. I called the company 2 inquire about a loan modification. The call was accepted by someone in XXXX, who spoke so quickly I could not understand him. I requested him to slow down so I could get the help that I needed and he did not. I requested to speak to someone who either would slow down or put me in contact with someone who spoke English he said he would help me and did not transfer me. I downloaded the loan modification papers and fax them to Ocwen 3 days ago and now they say they did n't receive them but I do have a receipt saying that I sent them I ca n't get any help it 's like they want to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Two years ago I had a lot of XXXX work done at the XXXX XXXX XXXX. The amount exceeded my deductible, and the staff there offered to set me up with an account called Care Credit with Synchrony Bank. She did all the paperwork and did a somewhat poor job explaining the terms to me directly after some pretty intensive XXXX XXXX For the past 24 months I have been paying the minimum balance as per our agreement. Each month, the bill states how many more months remain until the balance is paid off in full, if only the minimum is paid.

InXX/XX/XXXX I received my bill, and after paying off more than {$10000.00} of medical debt, I saw that I only had XXXX  remaining. I paid the minimum balance and noted, according to their chart of the front page of the bill, that in 3 more months my balance would be paid off. Further down in the bill on the second page, there in fact is a warning about the promotional APR expiring, but this information is ( seemingly ) intentionally left out of the body of the bill that informs you of your balance, and how many more months of payments you will have to make. It would be simple enough to include this information in the body of the bill as opposed to on a second page buried in fine print.

The next month, I was charged the deferred interest for the entire original charge to my account, over 3000 dollars ( about 25 % APR ) although it was completely paid off at that point aside from a few late charges. Although there had been several late payments, my account was never delinquent anywhere close to 30 days.

The next bill I received showed that, paying the minimum monthly balance, it would now be 16 months, not 3, until my balance was cleared if I continued paying the minimum. When I called they refused to work with me to address the issue.

Upon doing some online research, I learned that 2 years ago there was a class action lawsuit against them for the same practices. I have good credit and have no need for these predatory type of credit card practices.

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 monetary relief