milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: I have illegally signed up by PayPal Credit. I was unaware that I had been signed up for this and never consented to it. According to a collection agency they stated this occurred in 2014. They are now stating I owe close to XXXX dollars due to interest that has accrued. I never received any bills or statements and the collection agency stated I have been sent notices to an address in which I do not live at. I never approved of having this account and feel I enrolled in this without my knowledge or consent. I am not aware of what this initial charge is even for because the collection agency would not tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 sent multiple letters to XXXX National Consumer Assistance Department XXXX  Consumer Relations, and Equifax Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) Equifax Credit Information Services Dates : Certified Letter : XXXX/XXXX/XXXX. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX  ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, XXXX, & Equifax credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with Duncan Solutions, lnc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX I was alerted by XXXX that there was an unpaid debt collection added to my credit report by a collections agency named " XXXX XXXX, XXXX '' for an unpaid balance of {$260.00}. After reviewing the item in more detail, I was able to find very limited information and could only find out that this was in relation to an unpaid balance that a company named " XXXX XXXX '' had claimed was outstanding. I have never heard of either XXXX XXXX or XXXX XXXX, XXXX and have absolutely never done business with them. I have never received any communication from either company with regards to any matter including an account being opened or an unpaid balance, and have also never received any confirmation or validation of debt on my name. On XX/XX/XXXX I repeatedly called Convergent to find out why they have an outstanding balance on my credit report and to request more details in order to resolve. I was repeatedly put on hold and transferred to several different representatives who could not provide any additional information or confirm this activity on my credit report. These attempts to find out more information resulted in them hanging up on me, as well as telling me to call their " Corporate Office '' at the same phone number which I was already dialing that directed me to the representatives I have already been speaking to. Due to the fact that there was no communication of the an account being opened with XXXX and no validation of debt provided I am very confident this unpaid collections is a result of fraudulent activity against my name and want to have it removed from my credit report as it already affecting my credit score unethically and unlawfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My original payment was set at {$50.00} around XX/XX/XXXX. I called to get my limit raised to {$190.00} since I can afford more to autopay each month. Each month only {$0.00} comes out. I 've called since this first happened in XX/XX/XXXX and Navient said the next payment should be {$190.00}, but that has yet to happen. I 've ended up paying more interest than I would have if I my autopay could actually take the correct about of money out.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In addition to the response from the lender/servicer, we were advised that the lender/servicer would take into account the documentation requested to increase our income. In addition, we provided documentation regarding the status of the SS XXXX claim for which my husband has counsel. Attached is the correspondence from them, claiming permanent XXXX income for my husband, which is pending hearing. In addition we forwarded to our counsel on the foreclosure case, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the response of the lender/servicer directing us to contact XXXX XXXX, XXXX, This response was also given to you on our previous complaint case # XXXX. Our attorney attempted to communicate with said attorney, with no response back from her regarding the review of our loan modification application. In the last few days, we found out that XXXX XXXX had not been returning the correspondence, and telephone inquiries, as she was not longer with the Plaintiff 's law firm, and new counsel has been assigned. My husband 's condition has worsened, and the claim for permanent XXXX is pending before SS and is based on my husband 's prior income. We are certain that with my additional income, and my husband 's XXXX that we will qualify for a loan modification. We have not been given a fair opportunity to make proper application and the documentation of my increased income has been ignored by the lender, and each time proof is submitted, the increases are subracted, rather than added to the total income amount. We believe that our application has not been given fair review, and we are filing this complaint. The trial date we have of XX/XX/2016 needs to be postponed to provide adequate time for a fair examination of the income, for the increases of mine which I have provided, and for Social Security to determine the monthly permanent XXXX amount. 
Again, we were assured that the XX/XX/2016 denial would be reviewed with the documentation submitted to prove a greater income stream, which was previously ignored. This was the reason why they needed more time yet no such review was in process which meant they were not truthful to the court and to us. We need your help to be given a fair and honest chance to keep our homestead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (MO).
Issue: Managing the loan or lease

Complaint: BBVA Compass-I have a car loan thru this horrible company. Today is XXXX and I called to make a payment. I knew I was late and I was prepared to pay a late charge. The representative stated that I had a late charge from XX/XX/XXXX too! In XX/XX/XXXX, I called and made that payment thru a representative. Not once did he/she mention a late fee! No one has called about this late fee. I have not received a letter. Nothing! How can they assess a late fee and never tell you?!?! I refuse to pay a late fee that I was never informed of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 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 information incorrect

Complaint: XXXX, XXXX  and Transunion are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run 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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. Experian failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: I went to TransUnions web site on XX/XX/17 to place a lock our my credit reports. Directed to create an account, which I did. There was never any mention of any charge, let alone a reoccurring monthly charge of {$19.00} to do this. On top of that, when I attempted to lock my reports, an error message came up stating : " We are having trouble matching a TransUnion credit file with your personal information. Please contact TransUnion 's Customer Relations Monday & mdhas ; Friday, XXXX XXXX-XXXX XXXX. ET at ( XXXX ) XXXX ( press # 4 ). '' The credit information they had for me was correct as was my profile information so the above message makes no sense. 

Tried to lock my account numerous times and all failed. Finally called the phone number shown above, somebody took my social security number then hung up. Called their support number and they were of no help. Simply said to keep trying and had no idea who the above phone number belonged to. 

So now my identify seems to be in jeopardy due to their web site. 

There also appears to be no way to contact Transunion via email or chat. Have to call and sit on hold to talk to somebody that has no clue.

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 03/20/2015 about Debt collection (Credit card) with Alliant Capital Management LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: We received several phone calls from different 1-800 numbers saying that we need to call to XXXX to schedule an appointment for them to send the plaintiff with the court papers, in other words, to serve my mother. 
When I called the phone number a gentleman answers and, without saying the name of the company or what is regarding to, he asked for the " case '' number. After a bit of back and forth he said that they purchased a loan from XXXX XXXX and now they are collecting, the debt is for {$1600.00} but we can settle the debt for 50 % over the phone, otherwise they 'll send the papers and she 'll be sued. When I explained the serving procedures to him and that they way he was conducting the call was n't professional nor accurate, he got upset, started to threat saying " you better pay up buddy or she 'll be sued '' and " Let me put it this way bro, if you 're gon na ask for money, you better be ready to pay up '' then he followed to hang the phone. That was the XXXX time that I spoke with him, the XXXX XXXX was a very rude conversation about the same deal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX XXXX XXXX illegally defaulted my loans despite my submitting a request for a deferment. While I only borrowed approximately {$75000.00} I now owe over {$160000.00} due to default fees and penalties. This is loan shark practices. Furthermore, my income tax of over {$6000.00} from tax year XX/XX/XXXX was taken and NEVER applied to my balance. I have made numerous complaints since XX/XX/XXXX to  present to XXXX XXXX, US Department of Education, and Congress. This is loan shark practice and simply impossible to pay. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with Second Round Limited Partnership (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: no consent given or obtained by me for this debt, no contract signed

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: US BANK HAS NEVER SENT ME STATEMENTS FOR AN CREDIT CARD ACCOUNT THAT I HAVE NEVER USED XXXX LIMIT THAT ONLY FEE WAS OWED WAS FOR REPLACEMENT CARD XXXX TO REPLACE THAT I NEVER RECEIVED WHEN I WAS APPROVED UPON FOR XXXX CREDIT LINE.. THEN THEY SEND ME AN BILL AFTER THE FACT I HAD PAID IT AND CHARING ME LATE FEES EVEN THOUGH PAID AND NEVER USED IT.. IN FACT I NEVER GOT ANY STATEMENTS SAID I WAS LATE WOULD CLEAR ISSUE BUT YET STILL ILLEGALLY PENALIZED ME BY LOWERING MY CREDIT LINE DOWN TO XXXX .. WAY ILLEGAL NEVER USED ACCOUNT TO WARRENT DROPPING MY CREDIT LINE..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (KY).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XX/XX/2016 and one on XX/XX/2016. I have the signatures stating that they received them. It also was not marked as disputed on my Experian credit report within The 30 days as allowed by law. It has been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry dated XX/XX/2017 from XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted unverifiable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, Diversified Consultants Collection agency reported a balance to all three credit Bureaus ( XXXX XXXX XXXX XXXX XXXX. I 've just learned that they reported when I pulled my credit report on XXXX/XXXX/XXXX. I 've called the collection agency several times since XXXX, and they refused to remove the collection from my reports. I 've called all three credit bureaus since XXXX and only XXXX has taken it off. TXXXX XXXX XXXX will not take it off and stating that the collection will remain on my report for 7 years. I can not afford for an {$0.00} balance collection to be on my report for 7 years. I am trying to buy a house in the next 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was promised a job upon Graduation. Did nothing to help me get a job, they told me that i would be paying loan back based on job in my field.

Company response to consumer: Closed with explanation