milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Diversified consultants provided me with documentation that does not state for the debt amount they are asking for which also did not provide me with the documentation of the debt within five days that I contact the company on XXXX/XXXX/2016. When I talk to the original creditor. The original creditor respond to me that it is about another debt. So diversified is using fraudulent papers in order to get me to pay some one else debt. So in order to get this issue resolved. I am asking diversified to immediate delete themselves off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL 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: In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, XXXX car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, Ally. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak XXXX well. I was never given any alerts or notifications of late payments, but they said XXXX were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have XXXX issues and my credit uses are well within acceptable levels but these XXXX companies are like XXXX XXXX, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by XXXX companies that are in the business of selling peoples lives - it is XXXX XXXX and the government needs to put an end to it.

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 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX and XXXX XXXX 2015, I received a demand letter from Linebarger Goggan Blair & Sampson , LLP in XXXX, IL stipulating that they represent the State of Illinois -Department of Revenue in a collection of tax obligation. My complaint is I have never received any correspondence from the Department of Revenue regarding any delinquent taxes for the years indicated in the demand letter sent by this law firm/collection agency. Moreover, I have paid my state income taxes for the years identified in their correspondence. This demand letter seems to be a fraudulent claim of debt or deceptive action to scare me into payment of a tax claim that I do not owe. The language in the demand letter utilizes legal verbaige to bully and coerce a person into paying monies they do not owe. This practice seems deceptive and an unfair way of doing business. As a senior citizen, I find theses correspondance abusive and alarming. 

On XXXX XXXX, 2015, I sent a letter to Linebarger Goggan Blair & Sampson , LLP requesting as per the Fair Debt Collection Pracice Act, they forward all documentation to me to validate this claim. Instead of adhereing to the federal law, they sent me the XXXX XXXX letter demanding payment of {$30000.00} or else. They have not sent me any documentation to validate this claim. This action seems to be in direct conflict with the law or autocratic demeanor that they are above the law. 
If this firm is pursuing me like this, one can only assume they are doing this to many people in Illinois and/or throughout the country. 

Your immediate attention and action to this concern is requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has made it impossible for me to lower my monthly payment. It 's XXXX dollars a month and when I have called them, almost 10 times about some kind of plan I can get into, they say with the type of loan I have, income-based repayment is not an option. They informed me if I was struggling financially, I should take a forbearance period until I can make more money to afford the monthly payment. Also while collectimg interest on the loan. I have looked into what my payments are going to, and all of it has went into interest, almost XXXX dollars worth every month just for interest!!! SCHOOL : The XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector never sent me a letter saying my bill was with them. I found out after calling XXXX to make a payment ... I had no written notice from anyone, and they never gave me the option to dispute it. Had I known, I would have disputed it. When i contacted them to resolve the debt, i then found out that they would charge me an additional fee on top of every payment I made. So I went back to XXXX and asked to pay them instead and made payments over the past year until the debt was paid in full. But in the meantime the debt collector, diversified collections inc, submitted the information to my credit report. All because I chose to pay XXXX to avoid extra fees. XXXX said because there was an error in reporting that they would get the account returned to them and ask to have it deleted from the report. But diversified wo n't comply. They said they will only update it, even though they no longer have the account and that it 's still active. 

Because of their unfair practices they have tarnished my credit. Now my chances to buy my house when my lease is up in XXXX 2017 will be slim.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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, XXXX, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.

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 02/16/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX XXXX XXXX came into an account and contract that was owned by XXXX. On XX/XX/XXXX, the account is placed on my credit reports. There is no warning, no letter, and how they have tied this account to my identification is a wonder they still have not explained. I have sent 2 faxes to the fax number attached to their company in Washington. I have also sent 2 letter. I never received a letter informing me of this account because I would have easily been able to disprove it being mine. This is the lone collection on my reports and it has shot my score all the way down. XXXX XXXX has been completely reckless in it's handling of my personal reports. I have no contract to pay XXXX XXXX ANYTHING and they have no legal leg to attempt to collect as well as damage my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Colony Brands, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had fraudulent accounts added to my credit file. Ashro was one of them. Items were purchased. I contacted Ashro and sent them copies of police reports, etc. I even offered to pay the account if they would remove it which they agreed. I sent the letter and payment. The payment was cashed. The item has not been removed. Not only is this fraud but they did not keep their word and remove the account after I paid for it. This item is still showing up on XXXX. All other agencies have removed this account.

Company response to consumer: Untimely response
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have received a letter from ERC o n   XXXX   XXXX   2017   claimin g that ... I owe money to  XXXX   XXXX  and to my recollection I have never used  XXXX   XXXX  in the past and I do n't ever recall having  XXXX   XXXX  at my house in the last 9 years.  <P/> Creditor :  XXXX   XXXX  Original Creditor :  XXXX  Account Number :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   Amount of Debt : {$50.00} Reference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   COLLECTION NOTICE Our records indicate that your balance with  XXXX   XXXX  remains unpaid ; therefore your account has been placed with ERC for collection efforts.   Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease.   Yo u may  be eligible to reactivate your service with  XXXX   XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call  (   XXXX   XXXX   XXXX .   This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus.    Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us.  <P/>  View st atements, pay your balance, and manage your account online at  XXXX   Telephone : (   XXXX  )  XXXX  Toll  Free. All calls are recorded and may be mo nitored for training purposes.   Send correspondence to : ERC,  XXXX .  XXXX   XXXX ,  XXXX , FL  XXXX  Office Hours ( Eastern Time ) :  Mon-Thurs  :     XXXX   XXXX   XXXX  , Fri :   XXXX   XXXX   -   XXXX   XXXX  , Sat  :   XXXX   XXXX  -  XXXX   XXXX    This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address.     XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX , PA  XXXX     XXXX   XXXX    2017. R e ference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Amount of Debt {$50.00}  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  On the back  Federal Validation Notice Our Corporate Address  ERC  XXXX   XXXX   XXXX   XXXX , FL  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 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (NC).
Issue: Problem with customer service

Complaint: On XXXX XXXX, 2017, I purchased a {$1000.00} at XXXX in XXXX, GA, from Western Union. This money order was sent to XXXX XXXX who claims that the money order was never received. This check has not been cashed. I have attempted many times to contact Western Union without success. Neither has the form been faxed to me per the telephone messages. It is impossible to speak with a live representative with Western Union.

I have tried over and over to place a stop payment. I have also sent the necessary documentation required. Unfairly, West Union charges the customer {$15.00} to secure this refund which appears to be very greedy. 
Money Order No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX I received a email that Integrated Services was the collection Company that received the case from XXXX. For a total of XXXX I agreed for a settlement of XXXX to be paid in XXXX payments as follows ; XXXX/XXXX/XXXX XXXX} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX For a total of XXXX After I received this email I was told by XXXX XXXX XXXX that a processing fee of XXXX} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the XXXX XXXX XXXX on XXXX page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put XXXX payment as agreed for XXXX XXXX that same day about XXXX am est XXXX called XXXX XXXX and harass him about my XXXX payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they XXXX and made a withdrawal of XXXX. I requested a copy of my new balance with should be XXXX that was not send to me via email. If I do not reveive my new balance of XXXX I think this is a fraudulent transaction made by Integrated Recovery Services..I also requested that they contact me via US Postal Services XXXX no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (VA mortgage) with LoanCare, LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently sold to Loancare which is the worst company I have ever come across. Before we even received this so called welcome packet from the company I was incessantly harassed by automated phone calls demanding payment. Then after we received the packet and sent the initial payment I was still receiving calls from them and the began receiving letters telling me my loan was in default all the while having been paid up. The conduct of this company has been totally unprofessional and can only be characteried by harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My father XXXX in 2009 and I assumed his mortgage loan thru Ocwen Loan Servicing, XXXX XXXX XXXX, FL XXXX, since I own the property. The statement have come in my name since the assumption but I notice that the last XXXX have been changed back into my father 's name. When I contact them, I am told that I am not authorized on the loan therefore they can not discuss anything with me. I have spoken with XXXX different individual. Only XXXX did a little research and found that the statements were coming in my name but would not explain why or how the account was put back into my father 's name. He also advised that he needed a couple of days to correct the mistake and would call back on last Friday. He told me not to call anyone else because XXXX or more people trying to handle the situation would only complicate things. I tried calling him back at the number he gave as his direct line but it goes straight to a voicemail. I have tried to speak with supervisors etc ... but was told they are busy or that I could write a letter to a XXXX for help. I asked for a number to the assumption dept but was told that I could not speak directly to that department, another thing that has changed since 2009. Please help with any assistance.

Company response to consumer: Closed
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Navient is my student loan servicer. I find their notices about payments opaque and misleading. They seem to send payment reminders unreliably, having seemingly skipped one for me in XX/XX/XXXX. Furthermore, their reminders are misleading and confusing. For example, on XX/XX/2017 I received a notice that my " payment was due. '' The email contained no further information than that. But, that same day, I also received my " monthly statement '' that stated an amount and a " Due date '' of XX/XX/<YYYY> You could see how this is confusing. I feel like I am being assessed late fees, and that by making keeping track of my loans difficult they pushing their customers, hard, towards autopay. It 'd be trivial to add basic information such as the amount and the due date to their " payment reminders, '' virtually every other company I interact with does. I am writing you now after having contacted them to see if there was any way I could improve the reminders I was receiving. Yet, there was not. Given the choice, I would switch to another loan provider, but that is not an option available to consumers in this market.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Per your earlier brush-offs - you state that inquires are a matter of record for every time I applied for credit.  HEY   XXXX ! I did n't apply for any credit for all the inquiries that I have been disputing for over 2 years!!!  <P/>  HELLO????  Why should I have to contact all  XXXX  creditors regarding something I did NOT apply for, that someone else has attempted to open???? HELLLOOOOOOO?????  <P/> DELETE THE INQUIRIES - I DID NOT APPLY FOR THE CREDIT - WHETHER IT 'S A CREDIT CARD, A LOAN, A CAR = NOTHING!!!  <P/> I AM NOT DOING YOUR JOB! THIS WERE FRAUD PLAIN AND SIMPLE!!!!!!!!!!!!!!!!!!!!!!!!!  <P/> CFPB - You guys are a joke! You have n't helped me at all.   I did NOT apply for these items, I want all inquires REMOVED - these are FRAUD!!!!   HELLLOOO!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I purchased merchandise from Macy's.com and paid using my Macy 's credit card. After inspecting the merchandise, I returned it, requesting a store credit. The return was made within the correct time frame. Instead of Macy 's issuing a complete refund, I recieved to gift cards in the mail equaling to that amount. I called them and requested that my account be refunded, and they said i should discard the gift cards as it was sent out by mistake and they will issue me a full refund. When the next billing cycle came, I saw that I still had a pending balance. I called the credit again and after XXXX hours on the phone with them, I was told that my balance was now {$0.00}. My bill just came in yesterday. And I have a {$75.00} balance. That was the amount of the second gift card which i no longer have. I tried speaking to many representatives with the credit card but to no avail. They refuse to remove the balance.

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