milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Med-1 Solutions, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was making regular monthly payments to XXXX XXXX XXXX for medical bills not covered by my insurance. I believe it was in XXXX that I received a call from them stating that they could not accept the payments that I had been making and wanted more money monthly. I agreed to pay them a maximum of {$25.00} dollars monthly until the bill was paid. The following month I did not receive a statement and shortly thereafter I received a letter informing me that I had been turned over to REV 1 a collection agency.
I immediately called REV 1 and attempted to resolve it. On the first call I was led to believe that as long as I paid {$53.00} a month it would not show on my credit report. After speaking with my wife we thought it best to go ahead and do this even though it would put us in a bind with the other medical bills we are paying. I called REV 1 back and very straight forwardly asked that if I make these payments that this will not show on my credit report. At this time the representative told me that she could not guarantee that it would not. She attempted to lead me to believe at this point that if I could pay the amount off in 4 months it would not show on my credit report. Again I straight forwardly asked if it would and she could not guarantee it. So I told her that I could not make an increase in the payments without a guarantee. There is only one month that I did not make a payment to XXXX XXXX XXXX ( and then sent no statement ) and entered into an agreement with them to pay {$25.00} dollars a month and then they turned me over to a collection agency. I do not feel this is legal nor good business practice. I do not dispute owing them money but I do dispute them not honoring their agreement and turn me over to a collection agency without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I leased a new car from XXXX XXXX in XX/XX/XXXX. After 90 days the dealership I purchased from contacted me to say they made a mistake with the Vin #. I brought the car in and had to re-submit paperwork for the lease. XXXX XXXX then confused my account with another account that had been delinquent. As a result XXXX issued a negative hit on my credit file. Of the XXXX major credit reporting agencies Transunion was the latest to report an issue on my credit file. Now it is my 4th time going back to them to dispute the information from XXXX XXXX. The first time they corrected my file then reversed it to the original inaccurate information. I went back a second time, they corrected it and then omitted that I was paying off an installment loan to XXXX XXXX that Transunion themselves said affected my FICO score due to have no installment loan info! I went back a 3rd time, it appeared both issues were corrected and in XX/XX/XXXX received documentation from Transunion showing everything correctly. I checked my credit report via XXXX, that allows my to see the XXXX major credit reporting agencies and noticed once again Transunion how a late payment noted on my credit file that I had previously resolved with them! Reversing for the 2nd time information previously corrected! Tonight I sent my 4th dispute online with Transunion. XXXX credit has corrected my information, I assume at this point that Transunion is clearly inaccurate and incompetent. This is the worse experience I have ever had with a credit reporting agency.

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 08/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion took it upon themselves to post a tax lien on a property I recently sold. Eventually, the corresponding bank paid the taxes, but my credit has a negative impact because of them.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I am having trouble requesting a second official letter from Equifax regarding a XXXX security breach. XXXX XXXX, I received a letter from Equifax stating that I have been impacted by a security breach. It stated that information including my name, social, date of birth and address may have been compromised. It also suggested me to sign up for their credit monitoring service ( XXXX XXXX XXXX ). During a move in XXXX, the letter was misplaced. XXXX XXXX, XXXX I called Equifax security breach customer service ( XXXX ) to request another written letter. They informed me that I must call customer solutions ( XXXX ). After speaking with Customer solutions I was referred to XXXX XXXX XXXX ( XXXX ). I requested a copy of my breach notice, the customer service rep suggested that I was customer of XXXX XXXX XXXX and recieved the letter from them. I informed that them I was not a XXXX XXXX XXXX customer, and the letter came from Equifax via mail. They informed that the letter did in fact come from " Equifax XXXX XXXX '' but I can not receive a second letter. They told me the only thing I can do is go to the equifaxsecuritybreach2017 website put my information in ( last name and last six digits of social ) and sign up for their XXXX XXXX  XXXX credit monitoring service. I was given no explanation on why a second letter could not be generated and sent by mail. Equifax has showed not only poor judgement and incompetence on security but also poor judgement and incompetence in finding solutions, resources, and quality customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: CRA ... XXXX AND EXPERIAN ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Within the past week, Equifax has divulged my personal credit information to persons unknown due to lax security, and I 'may ' be affected by this loss of information according to their own services.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt has not been verified ca n't provide contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I am  XXXX   XXXX   XXXX  with  XXXX   XXXX . After a year or more performing loss mitigation, I got approved for a loan modification, I have been paying mortgage payments diligently and recently I received a check send back for  XXXX  Mortgage saying that the total amou.nt required to bring this account current is {$30000.00}. I dont agree with them that the  Modificaiton i s not compIeted because they already received Modification Agreement with  Notarized Signatures and Modificaiton Deed of Trust signature. Nationstar is u nfair and NON- compliant.. As requested on letter dated  XXXX   XXXX ,   XXXX   for  XXXX  Mortgage payment, I made the payment in the amount of {$1400.00} to Nationstar, in their request due to additional fund is needed. Why is it being send back when I am doing what they have asked? Not only that they are asking for {$30000.00} to bring the account current.  XXXX  is lying and tricky. At this point I am on   XXXX   XXXX   and  XXXX , where in the world do I get {$30000.00} to pay them? They already sent out apology letter and will honor the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: a state tax lien was filed against me XXXX/XXXX/XXXX, yet I was never notified of this. Then the tax lien was paid and released on XXXX/XXXX/XXXX. However, I was never notified of this matter and paid it once it showed up on my credit. Yet, it was my belief that I have 3 years to file any tax amendment 's if needed. I have disputed this for several years now with no luck. This is listed on all of my credit reports.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am from XXXX county Indiana of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/1972 Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX XXXX of XXXX county Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and semi truck business permits Schools and school products and services and building permits business and advertising

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 03/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My CHASE account was restricted. It went through days of investigation and when the investigation was complete they claimed they sent me a check for the remaining amount on XX/XX/2017. Today is XX/XX/2017 and still I have received no check. They told me to sign an affidavit and indemnity agreement which after reading I realized will take all legal liability for the check away from chase. Everytime I call I get the run around and nobody can seem to provide me with any valid information that the check was indeed issued. They want their customer 's to sign this form but I 'm uneasy because thus it 's been 30 days and I have n't gotten the first check, why would I feel comfortable in signing a document that says the " first check '' they issued is now void and to wait around for them to hopefully send me a " second check ''. I 'm convinced that the first check was never mailed. It does n't take 30 days to receive a check in the mail. Every time they mail something out in regards to that account I always get it at the address that I have on file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Non-federal student loan) with KEYCORP (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company Key Bank is reporting accounts that are past the statute of limitations on my credit file and many duplicate accounts. I have disputed and nothing has been done about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with Podium Mortgage Capital LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a condominium in XXXX 2015. I have excellent credit with a score of XXXX at that time. I sought out, and got preapproved for fixed interest rate 20 year and 30 year loan terms for 3.75 %. when I made my offer I was told the condo units needed XXXX approved financing and that I would have to use their mortgage company : pinnacle Capital Mortgage XXXX. So I talked to my preapproved banks and they agreed I had to go with such a bank, and they were not approved for it. I went through pinnacle and I am upset that their interest rate was 4.25 %. So, I feel I had no choice but to pay the higher interest rate. All the terms were the same and the only reason the loan officer would state was that " it was a condo '' so I had to pay a higher rate. I just feel this was unfair and should be reported to the proper agency to investigate. They have sold many condo units and was told they provided 90 % of the financing on them. Incidentally, my loan was sold from Pinnacle to XXXX mortgage 1 month after I closed the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Medical) with Firstsource Advantage, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted an previously investigated and deleted account into my credit. Utilizing a credit monitoring service, on XXXX/XXXX/2016 I discovered the account ( XXXX XXXX XXXX Account # XXXX ) had been recently reinserted. As required by the FCRA, Equifax did not notify me of the reinsertion within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Unsolicited issuance of credit card

Complaint: My husband had a credit card with USAA. I was a authorized user of the card but never signed personally for the debt. My husband filed chapter XXXX bankruptcy. Usaa issued me a new credit card number, which they will not provide the full credit card number to me and transferred his debt to me. This was not my debt. I filed a dispute claim with the company but they did not answer my complaint. They call upwards of 20 times a week to collect this debt. I have talked to them and have asked to talk to someone who could make a decision or clarify there position. Sometimes I will be transfered 3 or 4 times. I need some help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Settlement process and costs

Complaint: In XX/XX/XXXX I refinanced my home and paid off the primary and secondary mortgage with GMAC. When I went to apply for a line of credit at the beginning of XX/XX/XXXX the title report showed the second mortgage was not paid off. I have worked with the original title company XXXX XXXX, Ocwen, and sent the information to Office of the Consumer Ombudsman and still have not received a resolution. As you can see from the attached documents the loan was paid off and GMAC should have sent a " Satisfaction of Release '' like they did on the primary loan. I would truly appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: APR or interest rate

Complaint: I borrowed approximately XXXX dollars on my Care Credit card. I have been making payments every month for over a year and a half. My payments have been between XXXX and XXXX dollars each month. My care credit statement says that I now owe XXXX dollars even though I have been making payments. I believe the Care Credit / Synchrony employee I spoke with on the phone told me my interest rate was around 26 % and that it was 0 % initially and that I was charged accrued interest after not completing payments after 1 year.

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 monetary relief
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on equifax. I have contacted all three credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made that month I can not make a principal only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (OH).
Issue: Adding money

Complaint: I was paid by my employer on XX/XX/XXXX, but never rec'vd my funds to my account. After ten ( 10 ) days Rush Card has still yet to release the funds as they are ... and i quote, " trying to locate my account in order to post my funds. I 've had the same deposit information on file with my employer for Rush Card for XXXX months now as well as I 've had the same account since XX/XX/XXXX ... how is my account invalid. I have an eviction, disconnect on utilities, phone bill, storage fees, cancellation of my car insurance which I have to carry XXXX. I NEED HELP!

Company response to consumer: Closed with monetary relief