milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was in the hospital overnight for a accident. We have received many bills and have setup payment methods through the hospital for bills and making all payments as agreed upon. The date of service for the hospital was XXXX XXXX, XXXX. 

We just relieved a collection notice on XXXX/XXXX/XXXX that we have n't paid a bill. The company is Transworld System Inc., XXXX XXXX XXXX, XXXX PA XXXX. We called the company and spoke to a XXXX and he could not tell us anything other the amount we owe, The hospital name and the date of service. He could n't tell us anything else. XXXX also hung up on us that 's how the conversation ended.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: About a month ago I noticed my credit score went from XXXX to XXXX and I thought my student loans were in forbearance. So I decided to call Navient in XX/XX/XXXX to get it settled because I 'm going to be getting married next year and I do not want to start my marriage with bad credit. They told me that I was n't eligible for a forbearance and that I was past due of 90 days which is the reason my credit score dropped. They told me unfortunately they can not fix my credit from dropping but if I started  paying it should increase after a few months. I could n't argue I guess that 's how it works but then they said they contacted me and gave me a number which happened to be my fathers number and pretty much took my contact information for the first time which is unprofessional and really a game changer in what we call LIFE. If I knew about not being in forbearance I would of paid a fixed amount to prevent my credit score from being ruined ... .So after we spoke I mentioned that I wanted to start making payments XX/XX/XXXX to get things rolling. A few days before my payment, I called to reschedule my payment for XX/XX/XXXX because I realized I would not have my payment in full until XX/XX/XXXX. I went online to set up an automatic payment to split my two loans in a fix amount. {$150.00} for a small loan and {$600.00} for my bigger loan. The crooks put my {$750.00} in the small loan and mentioned I have an outstanding payment of {$600.00} and it will be added to next month, which would bring my payment to {$1500.00} instead of {$750.00}. It 's ridiculous I have to check my account twice a week to see these small changes done that continues to accrue more interest towards my loans and makes it impossible to afford them. My credit is ruined! I just want my loans to be properly set as they were and what I agreed on to fix my credit score, that 's all. Navient manipulates you to believe everything is ok and screws you over if you 're not paying attention. They gave me a sorry excuse, I should n't have to pay for their unprofessional way of manipulation and false accusation of contacting me. Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! 
Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.

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 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to original complaint case number XXXX. 
Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: On behalf of the XXXX customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I applied for a secured card with Citibank, during the application process, I never supplied a security word, when I received my card and called to try to activate it, they asked me to validate my identity using this security word I never setup, then they said to provide them with a phone number linked to my name, I did just that and they still refused to give me access to my account, then they asked for a relative phone number, I provided that and again they told me it is an unverified number. I offered to provide my SSN, driver license, address, a list of relatives they can call to confirm who I am, but they refused so I asked to close my account and they said they can not and refuse to do so until the account gets verified, so they are pretty much stealing my money and telling me that I cant have it 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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
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  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. 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 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Using a debit or ATM card

Complaint: I purchased a sofa online at XXXX in XX/XX/2016 using my PNC Bank Debit XXXX Card. The transaction Date was XX/XX/2016 in the amount of {$3500.00}, and the sofa was delivered on XX/XX/2016. Upon close inspection, I found defects in the alignment and upholstery, and contacted XXXX immediately and followed up with an email and photos of the defects. I received a call from a XXXX agent 2 days indicating a replacement of the defective sofa would be coming in XX/XX/2016, and to keep this sofa until that time. The second sofa was delivered on XXXX XXXX, 2016. I inspected the sofa outside my home as it was unloaded from the delivery truck, and found the same upholstery and alignment defects as the first sofa. I phoned XXXX and both sofas were taken by the delivery agents, and was told a credit would be forthcoming when the sofas were returned to the warehouse. Before signing the XXXX bills provided by the delivery agent, I NOTED the DEFECTS in the SOFAS, and made copies to RETAIN FOR MY RECORDS. I contacted PNC Bank in XX/XX/2016 to dispute the purchase when XXXX did not issue a credit timely. A provisional credit was issued, and subsequently reversed XX/XX/2016. I made another transaction dispute on XX/XX/2016. It was subsequently denied on XX/XX/2016. I made another transaction dispute on XX/XX/2016, and it was denied on XX/XX/2016. I have provided this information by phone and in writing to PNC Bank at least 6 times. My written communication, fax confirmations, and PNC Bank correspondence is included in the attachment. As of this date, I can expect collection activity to begin for a sofa in the amount of {$3500.00}, that I do not even have in my possession, and was just plainly substandard quality. Additionally, XXXX advertises on their website that their furniture is manufactured in XXXX, when in fact I examined both of the tags on the sofas that were delivered to me, and each indicated being manufactured in XXXX not XXXX. Furthermore, as of this date, XXXX has not issued a credit for the returned sofas yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Payday loan () with Concord Resolution Inc (Closed) (OK).
Issue: Received a loan I didn't apply for

Complaint: A PayDay Loan Company is trying to send my " account '' to collections and Concord Resolution Inc contacted me on their behalf attempting to get my SSN, Bank Info, ect. 

XXXX. I have n't received a PayDay Loan. 
XXXX. None of this shows in my credit report. 
XXXX. Concord Resolution keeps calling me incessantly with an automated message to call them and " file a formal statement on my behalf ''. 
XXXX. They are n't giving me the name of the Pay Day Loan Company that is supposedly launching this complaint. They are just threatening me to try and obtain my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (I do not know) with CURO Intermediate Holdings (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Theres a company that conrinues to call my work telling my boss details about me going to court..the last time i was contacted by them i did believe i seriously owed this debt because they kept calling my number threatming to call mt boss if i dident pay..i told them if i owe why do you have to call my boss just send me paperwork and they said we have to let them know who they hired someone who doesnt pay so out of embarrassement i gave them my debit bamk information and they took XXXX from me and XXXX after that i had to borrow the XXXX cus i dident have it right away..well in XX/XX/XXXX i was calling them to change the date of the XX/XX/XXXX payment because of XX/XX/XXXX and for 4 days straight all throughout the days i called.they never answered..so i called my bank to ask if they knew if this company that was withdrawning payments was ligit. If they were really collection company..they asked me for the number and so when they called it they never answered them either and they opened up a investigation that it was fraud..i then looked up the company 's name that was on my bank statement like when they took the money and there were so many complaints of people that they were withdrawing money from those people almost like my incidents. My bank told me to go immediately to the branch to close my account and that they would issue me a new account because it was fraud..so i did. Well during the time when the payment was to post from them out of my acct. My bank was already closed and they called me once that week but never left a message and the week after as well again no message. Well we are now in XX/XX/XXXX week and they called my work They told my boss that he needed to take the call seriously because i owed a debt and i was going to court. My boss told the person calling that this was a business and that any correspondence needs to be sent to human resources in XXXX and not to him or to the business.if i really owe this debt should n't they send me something in writing what debt i owe and the actual name of the collection dept with their phone number? Do they have the right to call my boss to give details of a dept i owe..i want the details in writing and my bank told me no to give my debit card to a collection unless i have something in front of me in writing..please help me I need them to stop calling my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I did not receive a bill in the mail from Wells Fargo Dealer Services for my monthly auto loan payment. I was subsequently charged a late fee. The following month, I did not receive my bill again so I called customer support to address the matter. To avoid another late fee, I elected to pay the bill over the phone. The representative confirmed that I would be charged my monthly payment due of {$210.00}. My bank account statement shows I was charged {$220.00}. I called customer service again to rectify the issue and they removed the additional {$10.00}. The conversations were recorded. 

I want to report Wells Fargo so that they are investigated to determine if this is a regular occurrence.

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