milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Debt collection (Federal student loan debt) with Performant Financial Corporation (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Performant  has been attempting to collect on my federal student loan debt for some time, but I am unemployed and currently on a rehab payment plan at a fairly low amount. However, according to some paperwork I signed over 15 years ago, they added 19 % collection fee to my {$91000.00} loan.     They continually call, and I 've stopped picking up the phone because it causes me   XXXX   XXXX  . They mail me notifications that over {$100000.00} is due immediately. However, they recently sent a notification addressed to me to my parent 's address at a   XXXX   XXXX   where I DO NOT LIVE. They are well aware of MY address, because they send me things. The last notice that was sent to my parents ' address, I had a caretaker write on the envelope to " return to sender '' and " remove this address from your records, '' and it was sent back. I learned today that another envelope has been sent, addressed to me at the   XXXX   XXXX  .     I am dealing with   XXXX   XXXX   over this situation, and it 's not fair that almost {$18000.00} in collection fees has been added to an already high bill that I ca n't pay. But trying to get my elderly parents involved is unacceptable. They are in extremely poor health, I 'm an adult ( over  XXXX ! ) and they do n't need to be involved.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I opt out from XXXX XXXX XXXX. on XXXX/XXXX/XXXX. I have XXXX Inquires within a 2 year period on my credit report. I opt out from XXXX XXXX. XXXX/XXXX/XXXX inquires on my credit report I opt out from XXXX XXXX/XXXX/XXXX. XXXX inquires on my credit report I opt out from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX on XXXX/XXXX/XXXX with XXXX inquire I opt out of XXXX on XXXX/XXXX/XXXX with XXXX inquires I opt out of XXXX XXXX XXXXNo knowledge of this company. I opt out of XXXX on XXXX/XXXX/XXXX XXXX inquire No knowledge of this company I have not given any of these companies permission to snake into my credit report. Please remove these 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 non-monetary relief
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: For 3 weeks I have been trying to get a repayment plan. I have been waiting on my point of contact to call me with the new monthly payment on the repayment plan. He finally called and told me we could only do a 10 month repayment plan and he would call me on Monday,XX/XX/XXXX to set up the plan. He never called and I called them ( Shellpoint Mortgage ) Tuesday and they informed me that the person I was speaking with did not know what he was doing and should not have told me I could get a repayment plan, because it was less than 15 days from the sale. They said it is nothing they can do. If I would have known 15 days ago I would have demanded a new person to speak with. I hope someone can help, because I don't think this is fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: okay I missed a payment that was due on XXXX and representative from consumer portfolio services her name was XXXX and I told her that I would make the payment at the end of the month because I work for the state and we are paid once a month at the end of each month and she demanded that I give her my banking information and I told her no I would go on there website and submit my payment but she kept trying to get the information from me. I never told that I would not pay them just that I was n't given her that information, since that time I have received XXXX calls XXXX to my job and XXXX to my cell phone can you please ask them to stop calling me at work and on my phone thanks..phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Other financial service (Traveler’s/Cashier’s checks) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fraud or scam

Complaint: I deposited a cashier 's check in Bank of America of amount XXXX. After 2 days of processing the amount was credited to me in the account. So I had to make a cash payment to the same person. But after giving the cash and after 5 days the bank says the check was fraud. 

If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 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: Account : XXXX XXXX # XXXX ( {$370.00} per month )XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to TransUnion, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to TransUnion, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

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 03-12-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a collections account on my Equifax credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called Sallie Mae, and XXXX, and Sallie Mae, and XXXX again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoken to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though Sallie Mae and XXXX have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: Allied auto loan continue to harass me by calling several times wanting payment payment is due the XXXX of each month made payment on XXXX 2016 which was still under the 10 day grace period of not being late they continue calling and wo n't stop. I did answer their phone calls 2 times and ask why are they still calling me. They gave me reference number XXXX and said they would stop, but they continue. The second call I answered I was not given a reference number he only gave me his employee # XXXX and name XXXX. I have been receiving a total of XXXX calls as of today hope you can help me. I am a XXXX patient and receiving these calls have made me go this far because I ca n't take it any longer.

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 07/13/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Portfolio Recovery  Associates ( PRA )  has made numerous harassing calls and sent out threatening letters. They have failed to provide proof of my debt owed and leave messages on different family members voicemail when they should not be calling me at all. I claimed bankruptcy back in   XXXX   and have not made any bills since then so they have no reason to be calling me anyways. They have harassed me relentlessly.They have violated many laws under the Fair Debt Collection Practices Act ( FDCPA ), : Contact anybody who is not the main person that owes the debt Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat Contact you at your employers office if you tell them not to to my knowledge, I do not owe them money and have asked them to provide proof of what I owe. They have failed to do so.   The numbers that call repeatedly are :  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: I was told in XXXX XXXX that I had to apply for a new loan as the balloon on my HELOC was coming due in XXXX. That request was denied but no alternatives were offered other than to pay off the $ 99,000+ balance. By the time a loan modification was finally offered to me in XXXX my XXXX payment had been missed as no one at Bank of America would tell me what to do. Once the modification was under way in XXXX I was instructed to make a double payment which I did on XXXX XXXX, XXXX in the amount of {$450.00} to make my account current. That payment was misapplied and split into an interest and a principal payment instead of being applied to the XXXX and XXXX payments. I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, XXXX. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all nine of  these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad. 

Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: XXXX    XXXX   reported the account closed and unused to ChexSytems since    XXXX    2014    yet ChexSystems continues to report an overdrafted balance and an unclosed account from  XXXX  of  2014  and is stopping my ability to open a credit union account and pay my landlord rent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (I do not know) with Coastline Financial Resources, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other transaction problem

Complaint: On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX  conversion fee and sent XXXX currency to XXXX. 
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss. 
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX 
She lied causing {$1800.00} loss on mu side. 
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly. 
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX. 
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.

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 11-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have had store credit with the XXXX on 2009. Originally debt was XXXX XXXX Account was named XXXX ( now it calls XXXX ). My last payment was made on XX/XX/2009. I lost my job that time and I could n't pay my credit cards. The debt was sold to collector company PORTFOLIO RECOVERY. It has been more than 7 years. They still report this debt as XXXX to credit agencies. I tried to dispute on XXXX website with XXXX, but unfortunately they refuse to delete the negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, XXXX, XXXX, TransUnion with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

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 10/17/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: getting multiple calls a day from XXXX. Claims to be Target credit card debt collection, but asks for my bank account number. They are relentless in calling and online it seems that tons of people are being called as well. I am worried someone naive may give them their information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account from XXXX state which is corrected by the university and it has been fixed on my XXXX and XXXX but transunion is still showing that account. This is account was established because I did n't submit proper paperwork to the university but with the help of the treasury department president everything was corrected. They have already sent the update out deleting the negative information and balance. Transunion has failed to comply with the FCRA standards and displaying correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation