milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, calls my cell phone daily XXXX or XXXX times during the week, Mon-Friday. I do not have any debts, active or inactive and have no explanation why this company is calling my personal cell phone, they are on call block as I have nothing to discuss with them and my level of aggravation would be detrimental to my health.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with The Cherrington Firm PLLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: They called me to collect a debt from a grocery delivery service. They have done a few things that were unlawful. First, have called me multiple times and then would just hang up when I answered. Second They lied to me, saying they represented XXXX XXXX XXXX. Also, they did n't send me written notice of the debt. ( they sent a letter to a wrong address ).

Company response to consumer: Untimely response
Consumer complaint received 02/20/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (RI).
Issue: Managing the loan or lease

Complaint: - On XXXX XXXX, 2017, I mailed a cashiers check, along with a letter indicating that it was to payoff my account ending # XXXX with Synchrony Bank. 
- On XXXX XXXX, 2017, I received a call from my bank stating that they just received a call from a XXXX XX

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 02-03-2017 about Student loan (Non-federal student loan) with Riverwalk Financial CORPORATION (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Complaint against ; Riverwalk Debt Solutions XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX REFERENCE # : XXXX TOTAL BALANCE : {$680.00} Dear Sir/Madam, I had a student loan in default and Riverwalk Debt Solutions contacted me that they could help me refinance it. I agreed and the terms were that I pay a monthly fee of about {$120.00} for a period of nine months and they would help me pay a minimal fee which was income-based. I made about XXXX payments and could n't afford it anymore because I was n't working. During the remaining months, I received no correspondence from them afterwards and the loan refinance was never started. A couple of months later, XXXX decided to help me refinance, which they were able to and I stuck with them. 
Now I have a bill from XXXX XXXX XXXX that I still owe Riverwalk Debt Solutions for the remaining months that I did n't pay before they started. Their argument is that even though they were not able to help me refinance my student, I still owe them because it was a contract. I feel scammed now and would need some form of assistance about how to deal with it. 
Thanks and looking forward to hearing from your office. 
Yours truly,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had disputed the  XXXX   XXXX  account that is being reported on my Equifax credit file in  XXXX    XXXX  . The week of  XXXX   XXXX ,   XXXX   I received my investigation results from Equifax dated  XXXX   XXXX ,   XXXX  . Enclosed in these results was the deletion of the  XXXX   XXXX   XXXX  account. When I called Equifax today  XXXX   XXXX ,   XXXX   to discuss my credit report, the representative told me that  XXXX   XXXX   XXXX  was still reporting on my credit file. I asked the representative how does Equifax verify disputes and she stated, " the creditor tells us your name, date of birth and social security number, that is all ''. She also stated Equifax uses an electronic system to verify as well. I reminded her that is not the correct way to investigate disputes according to the FCRA. With this being said, Equifax is still reporting incorrect information on my credit file even though I have proof from them that this account has been deleted. Equifax needs to remove  XXXX   XXXX   XXXX  from my report. Equifax will probably try to say that the uploaded documents isnt enough for them to do their job but these uploaded results are more than enough.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have roughly XXXX of private student loans on top of about XXXX federal loans. I have a great paying job and am making right around what the average college XXXX makes. I have been trying to get my private loans consolidated for about 8 months now. I have been unsuccessful in doing so. Even though I have a good credit score and my cosigner has a great credit score & gt ; XXXX, a I was told I needed an additional co-signor and when I did apply with XXXX co-signors, they denied my consolidation. I recently went to buy my leased car and the car dealership informed me that my student loan debt accounts for 112 % of my monthly income. Luckily I have had a great deal of over time the past 4 months and have been able to keep up with payments, however now overtime is dwindling and my savings is starting to vanish as well. XXXX eventually I wo n't be able to make payments within the next 4-6 month period. I have found my private loan supplier to be uncooperative, unsympathetic, and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied 6 loans with Franklin American Mortgage Company. 

The lender approved the loan. They asked me to submitted additional documents. I submitted everything and cleared all conditions they asked for. All conditions were cleared. They also even allowed us to proceed to input fees to order final loan documents. 

All of sudden, they denied all 6 loans WITHOUT ANY REASON. We were asking for the real reason and they did not tell us. Even their employee ( account executive ) did not know the reason. 

They did not send me the lender with the reason they denied the loan. When my broker asked, they send me a letter with the reason as " Unverifiable Information ''. This is NOT correct as I provide them all information they ask for. 

After many times begging Franklin to give my broker the real reason the loans were denied, they still did not provide the real reason. The only reason provided through the Account Executive ( XXXX XXXX ) was that borrower failed to disclose properties. This was not true because we did provide all properties as soon as lender asked for. Not until XX/XX/2018 ( after I pressed for the true and honest reason ) that Franklin American told me about the exception ( that they only allow up to 4 properties and if more than 4 properties, exception is needed ). Why Franklin did not tell us upfront the real reason? They did even cleared this exception conditions in their website. And if the exception of 6 properties was the real reason, why didn't they deny two loans and still allow me to proceed with 4 loans?

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Bank account or service (Checking account) with LEXISNEXIS (TN).
Issue: Account opening, closing, or management

Complaint: Vetting Agents - I was told to submit this way due to no topic that fits. 
2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. 
I am a XXXX employee XXXX. 
In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. 
we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. 
After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. 
But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. 
We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. 
I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me XXXX we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. This is disrespectful because I met the card payments and have paid more in one month and I do not even want to increase the credit limit I have with them.

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 04-12-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a recent graduate of an Interpreting program and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a XXXX % pay-cut from my last XXXX job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. I graduated one year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a restaurant so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE HAD AN ACCOUNT WITH  XXXX  AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX .  XXXX  decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I previously complained about bank of america about the reporting on my discharged accounts during and after my bankruptcy.They agreed to remove the negative remarks they were showing that were in addition to the bankruptcy notation.Now once again they have added those remarks back.They have my account marked as discharged in bankruptcy, but then under history through XXXX they say ( late 90 plus days ) 1 time in the month of discharge.Then under ( worst delinquency ) collection.No discharged loan can ever be late or be in collection by federal law.Also they previously agreed to remove these marks on other complaints

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation. 
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Please see complaint [ Case number : XXXX ] as this is in addition to the previous case. Ditech has now confirmed that we did indeed payoff our loan. They have yet to return escrow funds and mortgage release. 
They have placed a negative incident on my credit report with XXXX, stating that my XX/XX/XXXX payment was 31-60 days delinquent. Since they received full payment for mortgage payoff on XXXX XXXX ( check cleared ) they had no right to give negative incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: For quite some time USAA BANK has operated illegally with debit card issues, credit card issues, banking issues, checking account issues, savings account issues, WORST CUSTOMER SERVICE in the world and BAD FAITH INSURANCE ISSUES. They lie cheat and steal and overall are nothing more than immoral consumer haters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Citibank is calling my XXXX yr. old grandparent 's house about 6 times a day. They are on a limited income. They have spoken about lowering the payments but, they continue to call. It 's very upsetting to them. I 've tried to speak to them myself but they are very rude and then they hang up. What can I do to resolve this issue.

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