milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, 2017, I noticed that the monthly payment of {$810.00} I had set up originally to come out of my account on the XXXX of every month had not been taken out and a couple of the loans were past due. I called Navient to see what the issue was and they said the repayment plan was over. They never notified me that it ended. If they did it would have been through e-mail with a link to messages that does not work any time I click on it. At that time they said I could do another repayment plan, this time the payments were going to be {$860.00} instead taken out on the XXXX of every month starting XXXX XXXX, 2017, and offered no explanation as to why the payments increased. At this time I requested a repayment plan and also if they could lower the interest rate on the loans, since I was originally paying {$810.00} every month and the principal was not decreasing at all. They refused to offer me a lower interest rate. <P/>One XXXX XXXX, 2017, I checked to make sure my payment came out on the XXXX XXXX, 2017 and it had not and my loans were again past due. I called again on that date and they said that the autopay that they had set up with me on XX/XX/XXXX on the phone got denied but they never notified me. They told me to go online and set up the autopay myself which I 'm going to do for XX/XX/XXXX. <P/>At the rate this is going I will never pay this loan off, all of my payments go to interest and after almost two ( 2 ) years of making {$810.00} payments a month, the principal has not decreased at all. To me, this is egregious. They are the worst company to deal with. They do not notify me of anything and have messed my account up numerous times and never have an explanation. <P/>I would like a lower interest rate and a better accurate payment plan, but they are not interested in helping their consumers at all, just gauging them as much as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (MS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I have been trying to get the medical provider to resubmit claim to insurance they said they cant its gone to collections. My insurance company said the office coded it wrong and that they needed to code correctly and resend. i tried explaining this to the collection agency ( franklin collection ) but he said if i didnt pay then he would contact my employer. I told them not to as they do not have a judgment or any other legally obligatory note. The individual called them at XXXX XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i disputed inquiries with Experian to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Experian several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. I really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a number of inquiries on my report from when I purchase my vehicle in XXXX XXXX 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address

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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is an item on my personal credit report from a Debt Collector who purchased the debt from XXXX XXXX, which was a debt for a company of which I was a the majority shareholder. I did not personally apply for the card it was a corporate debt. The statements where sent to the company address and for more than 8 years the company made all payments on the account using a corporate bank account. The company XXXX XXXX, In filed Chapter XXXX in the Virginia XXXX XXXX Court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XXXX/XXXX/XXXX Case Closed by court XXXX/XXXX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} The Debt was discharged in bankruptcy court. 
I have filed XXXX disputes which Experian. I have asked the company to send me documentation which proves I am responsible. XXXX XXXX. told me the information had previously been mailed two years ago from XXXX XXXX. I asked XXXX XXXX XXXX. via telephone more than 1 year ago for the documents and they never sent them. I asked again today for the documents and they told me as long as I was disputing the claim they would not speak with me. She told me unless I would remove my dispute they would not discuss the matter. I sent the following email XXXX XXXX and the company failed to respond. 

XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX XXXXXXXXXXXX Message body You are Reporting a Debt on my Credit Report which was associated which a XXXX XXXX which I was a XXXX Declared Bankruptcy. I have repeatedly told you via telephone that this debt is not mine personally. I filed a dispute with Experian more than 30 days ago and you have failed to respond.You have as required by law failed to Validate the Debt and as required by law must remove the debt from my credit reports immediately. 

I made you aware this debt was reported in error more than 1 year ago. I will file a formal complaint with the office of the Virginia XXXX if the debt is not removed in 5 business days. 

Please see the attached Filing Information Below to confirm the Company Filed XXXX XXXX. 


XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX/XXXX/XXXX PORTFOLIO RECOVERY XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} XXXX XXXX XXXX I ca n't prove I do n't owe something because they refuse to provide any documentation proving I am responsible. I paid for a subscription to Experian and have disputed this item and asked for Experian to ask XXXX XXXX for the documents and they told me they can not require a company providing them with information to provide proof.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Used XXXX and online accessed my XXXX and XXXX reports..equifax had issues I tried twice and the verification question had nothing to do with me..

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: Discover is reporting an authorized user on my account that needs to come off my credit report. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with PMAB,LLC (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I believe I am being billed for a XXXX by XXXX XXXX XXXX in error. I sent written correspondence to their main office stating why I believe the debt to be erroneous. In this letter I also stated that I do not want to be contacted via the phone regarding the debt, and if this appears on my credit score it is to be marked disputed ( referencing the Fair Debt Collection Practices act ) I received written confirmation back from the Hospital that they would honor this. However, when this debt went to collections, I have now received more than 10 phone calls to my phone, despite having instructed them to stop. 

This is all for a supposed ~ {$400.00} debt ( that I believe I do not know )

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Medical) with Armada Corp. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX in XXXX XXXX, NV sent bill statements to my previous address where I used to live 6 years ago. I was n't aware until few days ago when I found a misplaced envelope which was from a collection agency ( Armada ) stating that they were hired by the XXXX company to collect a debt. The last time I visited the dentist was on XXXX 2015, about 5 years after I moved to my new address and as normal procedure they gave me a form to update all my personal and insurance information, they were provided with the update but apparently they never updated it in their system and there is why they sent bills to the wrong address. Today I asked them for a copy of the bill and it has the wrong address still. I talked to the managers and they told me there is nothing they can do, that I needed to handle it directly with the collection agency, but I do n't think this is fair because I was n't aware, they made the mistake and because of them I am getting wrong information on my credit report. At the time of my treatment I paid XXXX plus I used to have XXXX insurances, so I thought everything was covered and since I never received any bill statements I did n't know I was still owe some money. Please assist me in resolving this matter. I do n't think I have to be published by other 's mistakes. Thanks.

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
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collector claims i owe money for back rent at some housing complex in XXXX, NY that i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate 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 the manner as soon as possible. Thank You.

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 07/22/2016 about Mortgage (Conventional fixed mortgage) with SIERRA PACIFIC MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender, Sierra Pacific, is responsible for paying my home owners insurance along with taxes but they never sent out payment for my insurance and I was not notified until after my insurance had already been cancelled for 10 days. I have been going back and forth between my lender and the insurance agency and payment has still not been made. They are refusing to send payment until forms and what not have been sent yet A ) the forms have already been sent and B ) it should have never gotten to this point! What and I paying every month for. If anything happens to my home I want Sierra Pacific to be held 100 % responsible for all damages!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am contacting you because I am receiving a debt letter from a company I do n't know or owe money to. I google the number on the notice and it comes up scam. The letter is from XXXX XXXX XXXX in XXXX, WA XXXX phone number XXXX. I never had service from XXXX. It says I owe {$1200.00}.

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 04/17/2015 about Debt collection (Payday loan) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive notice of right to dispute, i dont know where this debt came from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with KEYCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I have many private school loans with Key bank. They are claiming I defaulted on XXXX large loans with them. They are demanding that I pay them each month, but they will not send me the loan agreement for XXXX the loans that they claimed I defaulted on. I thought that I was paying these loans through XXXX. I am so confused on how to sort this out. I do n't think I should have XXXX loans in default.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Customer service / Customer relations

Complaint: My American Express Corporate card number was stolen and used to make XXXX purchases for {$430.00} in total without my knowledge in another city. I called American Express and they promptly replaced my card the next day and said they filed a dispute for the charges. However since the charges were not removed, I have since had to call twice only to be told that they would dispute the charges again and that it would take XXXX days. Each time I call, they make me repeat the same information all over again, attempt to be nice, and then tell me not to worry about it, however it 's been almost a month since my card was stolen and the charges are still on there. If I was a personal card holder, I would have already cancelled my account, but since my company chooses to use them for my Corporate charges, I have no choice, but to stick with them and keep fighting.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is the second time I have contacted your XXXX XXXX, Equifax, XXXX regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (RI).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, I made a mistake by transferring {$100.00} from my checking account to my savings with TD Bank but what I was trying to do was to transfer {$100.00} to my checking from my savings account. I saw that mistake and fix it, two days later I saw that the transfer did n't go trough and I tried again and moved another {$100.00} from my savings to my checking account. I called the bank 's customer service to fix this problem and what I was told that there is nothing I can do or they can do because my mistake and now {$200.00} are gone from my accounts without making a purchase or without withdrawn the money from my it. I try to explain the situation but is that there is not help and that money went free to the bank, and I 'm now screwed out of {$200.00}, and the bank just made that profit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (NV).
Issue: Managing the loan or lease

Complaint: I have a loan through Discover. I 've always paid on time. Around six months ago, I had a problem with the automatic payment & it did n't go through, so I called & made the payment. they were going to have the late payment taken off & get back to me. They never did either. I called them again & they said they 'd do both-but never did. Then I accidentally made two payments in one month which I could n't afford & they said they 'd ckeck into getting one payment back to me & also reverse late payment charges & get back to me. They did get my one payment back to me but never reversed the late payments & once again did not get back to me. The late payment is increasing & I need help with this. Also for some reason my payment has increased slightly & this is in addition to the late fees. I spoke to them about this & they were going to fix it but never did.l

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016, I ordered XXXX tickets to an event that was to be held on XXXX XXXX using my TCF Back debit card online through the Dinner Lab website -- no PIN used. I was charged {$180.00} for the transaction. 
On XXXX XXXX, 2016, I received an email from the XXXX XXXX that they were ceasing operations immediately. I responded to the email asking when I could expect credit for the purchase and received a reply of the same text that was sent saying they were out of business. 
I contacted TCF Bank by phone on XXXX XXXX to dispute the charge and was told they would contact the merchant. TCF Bank did n't ask for any of the messages sent or received from XXXX XXXX. 
I have followed up with TCF Bank several times by phone and was told repeatedly that the merchant had until XXXX XXXX, 2016 to respond to them, at which time they would make their determination as to a credit to my checking account. 
As of XXXX XXXX, 2016, I have not received any info from TCF Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (WA).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: This is back in XXXX XXXX Virginia where me and my wife were going to check out a dealership called XXXX XXXX that was sending advertisements in the mail. We were gon na trade in our car for a more newer one. We were given an offer for them to buy our car and sell us a newer one. But at a much higher price. We did end up signing some paper work for them to see my credit score and see what they can do. Was n't good enough so we wanted to leave. They keeped pressuring us to do it and to use our credit cards or to contact family for money. After six hours trying to leave we had enough and told them no and asked for our keys back. They did not look happy. A day or two goes by and I check my credit score showing it went down about 35 to 40 points because I had two hard pulls from two different creditors for the used vehicle loan. It said I was denied when I did n't even go through with the dealership. Oh they also had me try to get a loan from XXXX so I also have that on XXXX credit score. Three hard pulls on the same day. One from XXXX XXXX, another from XXXX XXXX CO, and the last one from XXXX. All on the XXXX XXXX 2017. There is no amount because I was denied.

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