milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed an account that is misreporting information on my credit report with TransUnion. The account is listed as XXXX/XXXX XXXX XXXX. In my dispute, I initially requested that the debt be validated because the account was listed as negative, closed, and reporting late payments from XX/XX/XXXX. The dispute results stated the account was " verified as accurate and updated ''. I called TransUnion today to inquire about what information they had received to verify the account and the representative told me that the account was mine and that it had been updated electronically. The representative also told me that TransUnion was not responsible for providing me any information that XXXX/XXXX XXXX XXXX had provided to TransUnion. He also told me to contact the creditor directly, so after going back and forth for a while, I told him that I did try to call the number listed on my credit report for the creditor and the number was a sweepstakes number. I continued on, asking the representative for the address to TransUnion so that I could formally submit a request for the documentation that XXXX/XXXX XXXX XXXX provided and after additional debate he finally gave me an address. He also told me to XXXX XXXX and find an updated contact number. We concluded our call. After I XXXX " XXXX XXXX XXXX '' I saw on their website that ALL of their student loans were sold to Navient, so I XXXX  again and saw that XXXX/XXXX XXXX XXXX loans were sold in XX/XX/XXXX. I called TransUnion back and got a supervisor who I spoke to and advised her of my previous conversation ; I also informed her that it appeared that XXXX/XXXX XXXX XXXX sold ALL of their student loan accounts to XXXX so I wanted to know how could the disputed account listed on my credit report come back as validated when XXXX no longer owns the account and XXXX is not listed as the current provider on my credit report? I am submitting this complaint because I do not believe that TransUnion contacted anyone to validate this account. I also believe that TransUnion, and other credit bureaus, are not transparent with their disputing practices and they should be held accountable for their practices of damaging consumers credit. 

This is the link that I referred to above for XXXX XXXX XXXX that specifically states all student loans were sold to XXXX : XXXX XXXX XXXX

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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address two issues that should be updated and corrected per the information contained in the XXXX letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off in XXXX of 2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). 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 non-monetary relief
Consumer complaint received 09/25/2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I needed to borrow money via private loans to pay for college. I feel that the banks should have a fiduciary duty to explain what the repayment terms will be and also to better evaluate whether or not the student will be able to repay the loans. I am now in a position where I am really struggling to repay my student loans to Citizens Bank. I work XXXX jobs ( over 80 hours per week ) in order to keep up with my monthly payments and I still struggle. The reason I went to college was to enrich my life and my financial future, not to become a slave to my student debt which is exactly what has happened. I feel that Citizens bank should have never approved the amount of money that they lent to me while attending school, and at the very least they should have at least told me what my payment would be when paying off the loan. I felt they took advantage of me because I was nave and young and simply thought that this is what everyone did in order to pay for school. I have about XXXX in debt with citizens bank and I am experiencing a huge amount of stress and anxiety over my student loan payments. XXXX The amount owed to citizens is in addition to my federal loans, which seem to be much more reasonable ) I work so much that I feel that my health is jeopardized as I work from XXXX at my day job and often until XXXX XXXX 4-5 nights per week. 

Citizens bank is not willing to extend my repayment term or lower my interest rates which could really help me to pay this off at a much more comfortable rate. They took advantage of a young college student, and I do n't know where to turn for help. I ca n't keep working as much as I do. I hope the CFPB can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Chase Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that Chase bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning Chase Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when Chase took over they had raised my APR ( without my knowledge ) to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact Chase back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In response to a previous complaint, AES says the loan was deferred, and again today they told me the loan was deferred. However, they charged {$3000.00} interest. Interest can not be charged on a deferred loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

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 08-04-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We had a tornado damage our house on XXXX XXXX, 2016. Our insurance company sent us a check within a few days. The check was made out to us and the mortgage company, PennyMac. We signed the check and forwarded it to PennyMac. We have had numerous contacts with PennyMac and are still trying to get the money to pay for materials and the labor needed to do the repairs. They told us my husband could act as a general contractor and not have to worry about the XXXX and all the other paperwork. We sent in paperwork saying he would be paying all the bills and there would be no liens or any other attachments on the property. Now they say that wo n't work and the work had to be started before that would be acceptable. We ca n't begin the work because they wo n't give us the money to finish paying for the materials. I have n't even ordered the new door because we are having so much trouble getting the money to pay the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Other bank product/service) with LENDING CLUB CORP (NJ).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have copies of all my correspondence that were notarized and sent certified  mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke to a representative on XXXX/XXXX/2015 of a debt in the amount of {$100.00}, that was subsequently taken out of my bank account on XXXX/XXXX/2015. The agency promised that If I paid the full amount, which I did, they would send a report to the credit reporting agencies to remove it completely from my credit. As of XXXX/XXXX/15, the account shows paid in full on my credit report, and was not removed as promised. Therefore the agency gave me false statements in order to collect a debt. The agency in question is Bureau of Medical Economics on XXXX XXXX XXXX XXXX XXXX, AZ XXXX

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 12-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I contacted Citibank on various occasions asking them to verify the debt they claim I owe and disputing the amount due. I also asked that they honor the repayment plan they made with me but they closed the account before I was able to send a payment. I wrote to them on all these occasions and received no response back, ever. In fact, several months passed and still no replies. I advised my credit bureau of these efforts and they refused to remove it from my credit report even though I provided them with records ( registers/certified mail ) and copies of the communications. Only then did Citibank respond to the 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 explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was in contract with XXXX in XX/XX/XXXX. Their report is the most accurate. Currently, XX/XX/XXXX when purchasing Experian {$39.00} credit report I discovered the following : 1 ) Experian 's reporting misinformation of XXXX current late payments. I do not have any late payments. 2 ) In addition has duplicate creditors reporting the same debts. 3 ). And restarting the date of debt as of XX/XX/XXXX, that was previously deleted or resolved and due to fall off the report in XX/XX/XXXX. XXXX XXXX XXXX is an example. 
Secondly to print an Experian credit report the consumer has to download Adobe software. A XXXX that links to the consumers computer. The Adobe software is an internet download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an internet product and who do not have the most updated computers that are compatible with this function. I own a XX/XX/XXXX XXXX and still was unable to print the report ( even with the download ). After several calls to customer service it 's unresolved. Please contact me for the member id number as I want to submit a copy of the report for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: customer service would not help and take care of the negative inquiries reporting to your credit 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 02/20/2017 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My bank is robbing me. I 've only had my loan with this bank since XX/XX/XXXX and each year my payments keep going up. They claim my taxes are XXXX a year, however my township tax collector states they are {$10000.00}. I 've over funded my escrow since my loan existed and Pacific Union Financial is claiming my escrow is {$4300.00} short. I 've called numerous time to have it reviewed, faxed my proof from the township of the banks inaccuracy and they refuse to help me or fix my account. Where is my money going?!? They jacked up my mortgage {$630.00} a month!! I 'm extremely upset and dis pleased. They also have n't been sending the township the correct funds, and sent me a {$6500.00} escrow refund in XX/XX/XXXX, they slammed me with a XXXX tax bill right before XXXX. No one knows what they are doing and the turn around time to hear from someone is 3-4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. 

The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? 

We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Ca n't include exact dates from years ago, however the collection company known as IQ Data had  constantly called me between the hours of XXXX and XXXX for 3 weeks straight back around late XXXX, early XXXX. They had never sent an original letter/notice of collections. When asked to submit said letter as well as further proof that the debt was mine, they stated that they could not until the debt had been paid. When asked if they could provide proof that the debt is mine, they stated they could not until the debt was paid. When told that they are to no longer contact me if they could not prove that the debt was mine, they threatened to have me arrested for not paying. They constantly were rude over the phone, and used profanities. When I moved into my new apartment, they contacted my landlord asking for my information. My landlord disclosed the fact that I 'm in XXXX XXXX XXXX due to the fact that I 'm on XXXX but no other info was given. IQ data then attempted to contact me by phone further demanding that I contact my local social security office and have the SSA send documents to IQ data to allow them to collect from my benefits. I once again asked them to provide written proof in the mail that showed the debt was mine, they once again became rude with me, cursing at me, and hung up. Recently I recieved a few more calls from IQ data through the use of blocked numbers around XXXX in the morning. They also sent letters in the mail to my mother demanding she have me contact them and that if she does not, then she will inherit the debt. I am assuming this is due to the fact that the statute of limitations is nearing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation