milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.

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 07-09-2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I needed to consolidate my student loans quickly and I received an email from Equitable Acceptance Corporation. They told me they would be able to help me consolidate the loans, offer a lower rate, forgive the loans after 25 years and offer affordable monthly payments. For this service, they would charge approximately {$1200.00} at about 27.99 % interest - compound interest. 
I was nervous about my huge payments coming due and felt using this service would help give me the payments I needed - they offered so many great benefits. At this time, I did n't realize these were all benefits available to me through XXXX XXXX ; so, I signed all of the paperwork and submitted all requested documentation. 
About a year later, XXXX XXXX XXXX requested new income documents to recalculate my new monthly payments and I needed to complete the loan application again. I worked with XXXX and obtained a reasonable payment and also learned that the loan forgiveness was always available to me - it was nothing special that Equitable Acceptance was offering. 
About 2 months later, I received an email from Equitable telling me it was time to review my income documents - after XXXX contacted me and the recalculation was completed by me. I contacted Equitable and told them I already completed the process then began to wonder why I needed their " services ''. 
The sales person tried explaining the value of their services, but the more he tried selling, the more I realized they were just a middle man there to collect a lot of money for no good reason. The bottom line is, they offer no real benefit to consumers. I had to take the same steps with XXXX that I did with Equitable so what exactly did they offer? And what am I paying for? 
My complaint here is, how can it be legal to charge consumers for a service with absolutely no benefit? 
From my perspective, they are just 21st-century snake oil salesmen. 
I 'm not sure if you can help at all CFPB, but this is money I ca n't afford to simply see wasted. I believe, Equitable should return every penny and should be shut down for shady practices. However, anything you can do to help would be great. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Other debt) with TekCollect Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received multiple calls from multiple numbers. I have not received anything in writing about the debt to date. They call 6-7 times per day and DO NOT answer the phone. One guy burped in my ear, another was talking to his colleagues and hung up. Most of the calls they hang up. I've had to resort to blocking multiple numbers as no one answers. I believe its Tek Collect? 

XXXX XXXX XXXX XXXX XXXX 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 04/23/2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CO).
Issue: Closing on a mortgage

Complaint: Hello I paid my mortgage early and actually closed my mortgage loan on XX/XX/2018. I have been contacting Franklin Mortgage for repayment to me of my over payment. As of today, XX/XX/2018 I have not received any monies from them, and they keep saying I will get it, yet nothing is coming through. 

I feel like I am being conned and lied to by a financial instutition. I can't get through to them via the telephone to discuss with anyone. 

This is now 3 months nearly and I believe they should repay me.

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 09/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I want to go to school to better my self and possible free my self from poverty but instead I end up trap in student loans with such high interest rates that are un-payable or I feel I will not be able to pay not in my natural life.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Gift card) with INCOMM HOLDINGS INC. (AP).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased four XXXX XXXX cards for my kids and they have not been able to use the cards. When trying to reedem the cards, they receive an error. After contacting XXXX, I still not been able to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I attempted to access my free annual credit report with XXXX. It rejected my request saying I could not verify the account. I am concerned someone has stolen my identity and has put things on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Tormey Bewley Corporation (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Dear To whom this may concern, I have contact ed the advantage group he re in  XXXX , NM because I was put into collections for medical bills. First of all, I have medical insurance that has covered all bills. I contacted the hospital itself to see what was happening. They checked all bills and they were all covered by my insurance and did not know why I was even transferred to collections. These bills are : Accou nt 1  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$220.00} on  XX/XX/XXXX .   Accoun t 2  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$210.00} on  XX/XX/XXXX .   Account  3  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$160.00} on  XX/XX/XXXX .   Acco unt 4  :  XXXX   XXXX  with a balance of {$770.00} on  XX/XX/XXXX .   These medical bills need to be removed as soon as possible because it is affecting my  credit score  and limiting me to improve my credit.  <P/> Sincerely,  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (ME).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was denied a XXXX XXXX from the XXXX XXXX XXXX. I'm a frequent customer of XXXX ( to the tune of thousands of dollars a year ), and I often miss out on sales because they are for card holders only. 

I have good ( even " excellent '' ) credit ( XXXX from XXXX   ), over 22 years of credit history, no " derogatory '' items on my credit report : basically nothing negative. I can see no legitimate reason to deny me such a card, but the reason given was, implausibly, " Insufficient Credit Experience. '' I have worked hard to obtain a good credit rating, and I'm surprised and disappointed to see these predatory financial companies deny me credit anyway.

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 05-12-2016 about Credit card () with Continental Finance Company, LLC (DE).
Issue: Closing/Cancelling account

Complaint: Dear Consumer Financial Protection Bureau, cc : FTC This company canceled my credit card for no reason. They then continued to bill me fees on a closed account. Also, unknown to me at the time, added these bogus fees to my credit report. I paid their bogus and illegal charges and had it removed from my credit file. Today I receive yet another bill from Continental Finance ( Verve Card ) which includes more fees and interest charges from a card they closed and I verbally called to make sure it was closed after their last illegal stint. This is a nightmare! I do NOT owe this company anything. I cut up the card months ago after it was initially closed. This company is defrauding consumers and needs to be held accountable for these illegal business practices.

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 11-05-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is showing up on my credit report. I have called them to please have them remove my name as authorized user, due to an authorized user can delete them selves at any time. XXXX XXXX is saying it 's my responsibility to contact the credit bureau and have it disputed. Per XXXX XXXX my name is not on the account number ( XXXX ) The last name on the account is XXXX and the first name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, my wife and I requested a credit investigation with Equifax. As of today, well over 30 days have passed, and we have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Payoff process

Complaint: A couple of years ago I have discovered unauthorized charged on my Discover card, and have contacted Discover with hopes of resolving the issue. Discover shut down my card and nothing was resolved. I refused to pay the amount I did NOT authorize thus Discover sent this account to collections. This year I decided to clear negative items from my credit and contacted Discover with hopes to pay in lieu of them removing this account from my report. A few months later I received a statement from Discover stating that they have charged off this account but if I wish to pay it I should contact XXXX XXXX who is now collecting on this account ( see attached ). I have contacted XXXX and agreed on a payment plan. So far I have made a total of {$4400.00} to XXXX XXXX for Discover account however Discover is STILL reporting the outstanding FULL balance to all XXXX bureaus on my credit report continusly damaging my credit and claims NOT to have received any payments. However, XXXX states they have forwarded all payments to Discover ... After all this money paid none of the parties seem to know where the funds went and I still ca n't refinance my house due to this unresolved matter and Discover card being in dispute. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: This morning I tried to use my account to gas in my car and found out that my card, that they sent to me 2nd day air was closed. I called and they said a fraud was done against the bank. I did file a claim for funds that were taken out of my account two day before but it was fraud against me ... I talk to the rep and she said that I will receive my funds in 60 days. I explain to them that my money was just deposit into the account and that money was to used for food for the kids and to be able to have gas for the car to get back and forth to work. I told them we had no other money then the money that was in the account they closed. I do n't get paid for two weeks now and have no money to feed my family or pay my bills. I ask them to red label my funds in a cashier check and I would pay for the cost. They said no and it is against banks guidelines. My family can not go a day with out our funds. I did n't even have enough to put gas in the car to take my son to school and get to work. How can they hold my funds like that and give me no ability to use it. This has put me into hardship

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with KEYCORP (NY).
Issue: Credit decision / Underwriting

Complaint: i recently applied for a mortgage with key bank. i went thru the process sending all necessary supporting documents such as XXXX forms for XXXX years and recent paystubs. they contacted me and stated that they survey report came in lower than they expected so they were cancelling the loan,

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Metro Collection Service, Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was served with paper work, for XXXX County Colorado. I went to file an answer. The clerk informed me that there was not a case number on the paper work. She then informed me that with no case number then there was no case. I do not owe any amount of money to their client, and they will not remove it from my credit report, as I am trying to use my V.A. benefits to buy a home. As I am XXXX XXXX, and my condition is getting worse.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not validate nor prove that I am obligated to pay them anything.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarFinance Capital LLC (MO).
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 credit report and it shows an inquiry by this company that I do not recall authorizing.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: According to Navient, servicer of my U.S. Department of Education student loan, " You can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. '' I typed and included with my payment a concise letter instructing Navient to first apply a recent payment to XXXX of XXXX particular loans in order to pay it off and then apply any remaining funds from the payment as normal. Instead, Navient split the entire payment as they normally would amongst the XXXX separate loans. They cited " automated system reasons '' for the error when called. I cite they are lying in their own important disclosures that come with each loan statement. The payment has been reapplied at inconvenience to myself with added worry and confusion of what my student loan statement might look like next month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with KelKris Associates Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an unpaid water bill from the city of XXXX, Ca., that I was unable to pay d/t losing my job. It went into collections at Credit Bureau Associates. Finally, in XXXX of this year, I was able to pay the XXXX owed. The check XXXX drawn on my account at XXXX XXXX XXXX XXXX was then deposited in the XXXX XXXX XXXX by the XXXX XXXX XXXX., XXXX ACCOUNT #XXXX (no date stamp). The next activity on the check is XXXX XXXX XXXX >XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  After numerous phone calls and emails XXXX XXXX, continues to deny ever getting said check and depositing it. In as such the debt has never been expunged from my credit score and XXXX has investigated 3 times every time to say it has not been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation