milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a XXXX XXXX for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.

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 12/14/2015 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill is for lab work as part of a physical that would be covered @ 100 %, however, it wasnt billed correctly. The doctor was to bill this as well visit, I have advised them several times that they need to re-bill this, however, they have refused too and sent to to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX Bank is reporting on my Equifax file it has reached time limit it can report. I have disputed this information with Equifax ; however, it is still reporting. I have called Equifax in regards to this negative mark ; however, Equifax is more concerned about me buying a product from them instead of helping me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (GA).
Issue: Managing the loan or lease

Complaint: My car was paid off by insurance over three years ago and the finance company is still showing it was 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016, Ally Financial XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX, 2016.
I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry.

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 10-03-2016 about Credit card () with Comerica (KS).
Issue: Other

Complaint: The Direct Express web site wo n't work and no one will answer the phone number they yell me to call. I do not have any other choice about where my Social Security payments are made.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm a veteran and my gi bill was supposed to cover my schooling. Not only was my gi bill never used, like i told them to, but i was also a single parent and should 've qualified for a pell grant, but instead they did n't even offer that to me. They persuaded me into doing these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX and a XXXX mortgage on my primary residence. At some point, the loan was sold to Bank of America. In XXXX, I paid-off the XXXX mortgage in full. XX/XX/XXXX, I sold my home and paid off the XXXX mortgage in full. The problem is that the escrow company is holding back a sum of money equal to the XXXX mortgage because Bank of America refuses to send a letter of satisfaction regarding the XXXX mortgage. The dozen or so times that I have waited on hold, and endured repeated transfers, Bank of America can only tell me that they are not sure why the system wo n't send out a letter.

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 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification. After years we were denied. We have appealed the decision and submitted an entirely new package and we are currently under review for a loan modification. We live in the State of California and are protected under the Homeowner Bill of Rights from dual tracking. The HBOR restrictions on dual tracking foreclosure and loan mods prohibits mortgage servicers from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. In spite of this they have no placed in in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: on XX/XX/XXXX and XX/XX/XXXX I CONTACTED XXXX, XXXX, & Transunion in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely

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 06-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The basis for my dispute is XXXX XXXX '' XXXX balance of {$0.00} was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX/XXXX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, failed to send the 60-day notice described in the above section entitled 60-Day Notice of Intent to Report to Credit Bureau ; filed for a review of the debt. See 31 U.S.C. 3711 ( e ) ( 1 ) ( D ) for all Federal Student Loans. 

Also, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve & Office of Management and Budget ( OMB ) OMB Circular No. A-129 Revised, Policies for Federal Credit Programs and Non-tax Receivables XXXX XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Delinquent account

Complaint: I had made a payment to payoff my card online with PayPal Extras MasterCard. Later, I booked a hotel stay using the card XXXX XXXX. As we checked, we noticed one of our belongings were missing. We reported to front desk and they stated they would do an investigation but in the mean time they would refund our stay - in full. I thought my card was at a zero balance. XXXX day I received a late pay notice via XXXX. I was confused. I contacted the credit card company immediately. They stated the hotel charge was not reversed and I had a balance. I was reported 30+ late to the credit agencies for non-payment. I was not aware of any balance and have never been late ever. I have absolutely no late pays on my credit at all. PayPal said they would file a dispute to correct the issue and that I would need to speak with customer service to resolve payment issues. Call was dropped. I called today to resolve the issue and discuss the late payment and make whatever balance payment in full. They stated they could waive the late fee but would not send anything to the credit bureau as a correction. They stated they " could n't '', even if there was a mistake made. I was not happy with this resolution. They stated all I could do was dispute through XXXX or one of the other agencies. I filed a dispute today with XXXX and I am claiming that the 30+ day late on my credit is incorrect. I am asking that this get resolved as soon as possible. This is negatively impacting 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 non-monetary relief
Consumer complaint received 03-07-2017 about Consumer Loan (Installment loan) with Castle Credit Co Holdings (SC).
Issue: Managing the loan or lease

Complaint: Regarding account number XXXX My identity was stolen and was acquired, and or purchased by CASTLE CREDIT CO HOLDINGS LLC D/B/A CASTLE CREDIT. 
who is now sending me dunning letters and posing as a creditor demanding payment on an alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. 

RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My tax return 2015 was used to repay my students loans. I would like it to be reported to the credit bureaus. The debt is affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX. XXXX and Source Receivables Management XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of Ipad Contract and Billing ; not providing me with a written contract when asked ; unauthorized use of my digital signature ; providing only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the third time I 've asked for information of reported debt filled by XXXX, and they would n't respond to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Source Receivables Management XXXX saying XXXX has filled a Debt Claim. If XXXX does n't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service process. 

I 'm asking XXXX and Source Receivables Management XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX ) example. The Agents names, titles, contact information of XXXX department or the department responsible for overseeing debt collection and all legal contract matters. 

XXXX XXXX XXXX, KY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy sent to me per credit law. Otherwise please have it removed upon receipt of this official notice. This is something that was randomly attached and Now I must suffer with it. Please have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (DE).
Issue: Deposits and withdrawals

Complaint: I have been able to access my exact amount of money from Rushcard. 
I would like to have access to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient refuses to look at offering me income based repayment or a reduced repayment even though I 've had it for the past 3 years. They did this last year as well, the only way I could get it done is to stop paying, pay for a forebearance to bring the notes current, then they would help me reduce the payment, but only for an 11 month term. All of the progress made with the reduced payment is effectively gone because they force you to add extra principal just to get back to your previous payments.

Company response to consumer: Closed with explanation