milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and false information. Thank You

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 05/17/2016 about Consumer Loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Managing the line of credit

Complaint: SPRINGLEAF AGREED TO REMOVE THEMSELVES FROM MY CREDIT. NOT ONLY ARE THEY STILL SHOWING I HAVE A BALANCE BUT THEY ARE ALSO STILL SHOWING A JUDGEMENT THROUGH XXXX COUNTY MAGISTRATE COURTS

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX JH Debt Portfolio Debt Equities falsely reported to XXXX that I have a balance of {$5000.00} which dates back to XX/XX/XXXX. They are claiming that no payments were made for over one year. I have verifiable proof that this account has been receiving payments each an every month without fail. The real current balance is {$1700.00}. This debt dates back to XX/XX/XXXX and is not a new debt as reported by JH Portfolios. I contacted them by phone and they claiming the amount is XXXX This is a total fallacy. I have filed an offical dispute the the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. 
I am requesting that they update my Experian report to show OK on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I received a DELINQUENT TAX NOTICE dated XXXX/XXXX/XXXX concerning parcel # XXXX, which is in XXXX XXXX, Idaho. ( I do n't own any land in that county and never have. ) I made a copy of the notice and sent it to the mortgage company asking for an explanation. No reply was made. 
A Escrow Account Disclosure Statement, dated XXXX/XXXX/XXXX, was sent to me indicating a much higher mortgage payment will begin in XXXX XXXX, as a result of failure of me to pay taxes on the property in XXXX County that I do n't own. 
I 'm trying to get the mortgage company to recognize their mistake, but do n't seem to be having success.

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 02-07-2017 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (TX).
Issue: Taking out the loan or lease

Complaint: Applied for a consolidation from XXXX Chase using a XXXX appraised property as collateral. 

I felt from the beginning they were doing things to undermine us getting the loan because of our age or ethnicity. 

First they underestimated our income so the debt ratio was over the limit. 

When we brought this to their attention they added the payment of XXXX plus XXXX that the say we are deficient in rental income to the debt again to put us back over the debt ratio. 

The debt we would have after the loan would only be our house note and the loan note that they calculated to be XXXX. 

As you can see we have sufficient income to pay the note based on the their debt calculation whether we collect rent or not.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX I purchased a truck was already preapproved but the car lot ran my credit 18 times

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 06/29/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account had " pending '' transactions. I made a deposit to cover. Credits are supposed to post before debits. This has happened before and PNC bank has always refunded the fee. This time I call and spoke with XXXX her team lead is XXXX XXXX and their manager is XXXX XXXX. No one above XXXX were available to speak. I took photos of my account to show the pending status of the credit and debits. I was charged XXXX. <P/>Another problem is that I am a XXXX XXXX As such, it is known for corporate governance purposes Public Companies are required to have a line of communication to the executive office to make complaints. Well PNC cancelled this telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX has now sold this unsubstantiated debt now a 3rd time.
I hav asked XXXX XXXX XXXX to send me th supposed orignal contract i signed, and of course none of them do or can ... first it was sold to XXXX XXXX -- i made a complaint- and their response was to stop the wrongful collection -- - then XXXX sold it to XXXX XXXX -- who again- could not validate the debt -- - after i made a complaint against them ... that was about a year ago.. and they agreed to stop harassing me and closed their file -- now XXXX is at it again -- -- sold it to a third collection agency XXXX XXXX ( XXXX ) XXXX acct # XXXX- I explained the situation to them, and they also can not validate the debt - i told them as well show me a contract i signed -- -- i did not and never did order this service..
<P/><P/>
For your reference -- prior complaints numbers for this same wrongful debt collection..
the XXXX complaint number is # XXXX this complaint was made on XX/XX/XXXX They ceased collction and then started again and another complaint was madeXX/XX/XXXX # XXXX- they finally stopped their wrongful collection.
<P/>
XXXX XXXX was also trying to collect this debt early XX/XX/XXXX and i made a complaint # XXXX also on XX/XX/XXXX- they also agreed to sopt collection this debt i do not owe.
<P/>
thank you XXXX XXXX 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America reduced my HELOC from {$50000.00} to {$20000.00} saying in the letter only that it was " based on the decreased equity available in my home '' - no further explanation. When I called them they suggested that I could get money on a credit card cash advance. 
When pressed, they said that they had established a value of {$480000.00} for my house which has a market value of at least {$650000.00}. Houses have been increasing in value in the last few years and typically sell on the first day they are on the market. I believe they are using arbitrarily and fraudulently low " estimates '' of value to freeze HELOCs and force customers onto high interest rate credit cards.

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 06/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a XXXX who signed up for a XXXX for XXXX credit hours. I paid cash ( {$100.00} ) for the tuition and thought nothing of it. 
A few days ago Navient, which serviced a loan I got in 2010 ( {$20000.00} ), emailed me and said my loan was deferred because I am now a student at the College of XXXX. I am not a student but an XXXX taking a once-weekly course at the local middle school! I never asked Navient for any assistance in paying an {$100.00} tuition! 
I am only two years from paying off my original Navient loan. I called them to cancel the deferment so my payment would continue. When I logged onto my account later I realized they had extended my loan for another year and added a {$1000.00} increase to the balance! There is no reason for Navient to change and extend my loan when I never asked or used their assistance on a simple {$100.00} tuition! 
I took all of my savings and paid the remainder of the loan 3 years early because I am afraid they are overcharging me severely. I feel that my balance payment has been inflated and would like a refund for the overage I was charged in this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Federal student loan servicing) with Action Financial Services, LLC (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently on a plan to get my student loans out of default. Originally I was told {$37.00} a month which I can afford. Now, Im being told I have to pay {$220.00} a month because I make a lot of money. I explained to the man, Im the only means of income coming into this house and I have a XXXX year old son and a baby on the way! I explained that I CAN NOT afford this and he said I need to at least pay this once before we can try to lower it. Action financial service is the name of the company. I read I have the option to pay less without being penalized but he said otherwise. Please help!

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 04-08-2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Billing disputes

Complaint: My son fell XXXX the dentist insisted we use the Care Card in order for my son to treated originally the cost was XXXX per XXXX but when we returned the cost was the max amount the card had qualified us for. but I tried paying as much as I could a month then I contacted the Card Bank and they agreed to close the account and let me pay off the balance at XXXX a month while making regular payments of an established amount 64.00 $ .Carecard increased payment amount and when they only received 64 $ they added 35 $ fine. They have been adding fee after fee adding it not to the overall balance but to the monthly payment making it very difficult to know exactly how much the payment needs to be and if the amount is not correct they fine you.. so I have been paying on this for quite a few years and they reactivated the account so they could increase the interest and charge more fees. I will pay off the card at the agreed upon amount of XXXX a month the amount should be no more thanXXXXXXXX at this time. However they just keep charging me more. I have contacted several service reps at GE CAPITAL RETAIL BANK/SYNCHRONY BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted a dispute with Experian XXXX of XXXX. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX XXXX XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.

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 04-10-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: My brother and I rolled his change so it could be deposited into his savings account. We went to the XXXX, MI branch to deposit the money. As soon as the tellers saw the rolled coins the XXXX of them began arguing about which one had to wait on us because they did n't want nor need the change. It was not only frustrating, but also highly embarassing. My family was so embarrassed we are ready to empty XXXX accounts from PNC bank and taking the money elsewhere!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Federal student loan debt) with American Student Loan Advocates (CO).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: In XXXX of XXXX I started contacting companies that I could help me consolidate my student loans. I contacted Student Loan Advocates and they initially advised me that I do not qualify for assistance because I do not have a XXXX XXXX or a high enough balance. I was contacted with repetitive phone calls for a couple days telling me they would be able to help me with consolidation. I spoke to a representative named XXXX and he stated he could help me with the initial on line application, he answered all the questions and stated that my balance would decrease to less than XXXX a month and for a shorter period of time. A couple days later I received an email from XXXX XXXX with an application for me to complete and fax back. In the process of filing out the application a question asked if I work for a nonprofit organization, the answer is no and the next step told me that I do not qualify for assistance. I sent an email back to XXXX advising that I will not be able to complete the application due to my company not being a non profit. I started receiving emails and text messages advising that I need to still sign the application and fax it back. On Friday X/X/2017 I received a text message stating that a charge of XXXX will be taken from my account. I contacted both XXXX and XXXX and advised that I did not agree to a payment since I did not qualify for their services. On Monday XXXX a XXXX charge was taken from my XXXX XXXX Credit card, I called and asked why they are deducting money when I was not approved and was advised that even though I was not approved the charge was the first from a XXXX application fee. On XXXX I went to pay my student loan with XXXX and found that my user name, my password, and my email that is associated with my account was changed. I was not able to contact XXXX until Monday XXXX, I advised of them of the problems and they were concerned that someone has accessed my account and changed my user information. I provided the information of my original user name and password and the one it was changed to right before this one and the rep was able to help me correct my information and put a password on my account. She advised me that it is against the law to access my account and to contact CFPB and FTC to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a toll violation around XXXX of 2016. The company linebarger law firm was representing XXXX to collect a debt. Upon further research I found that the violations were made when these vehicles were not in my possession as they were sold before the date of the violations. I have been sending letters back and forth with this organization for 10 months and even had to get my lawyer involved. I have proven that this is not my debt but I continue to receive harassing letters from this company. At this point I have done everything I can. I can supply all correspondence and documentation between me and the agency over the past 10 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Prepaid card (General purpose card) with U.S. BANCORP (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/XXXX, I called because I noticed fraudulent charges pending on my prepaid gift card issued by U.S.Bank. I provided all of the information and they froze the card. They said I would need to call back in 3 weeks in order to dispute the charges. I called on XXXX/XXXX/XXXX to dispute the charges, as requested. I provided all of the information they requested in a fax to their dispute department. I called again on XXXX/XXXX/XXXX to confirm they had received everything that they needed as I had not heard anything back. I talked to a representative named XXXX, and he said that they did have everything, and to call back in 5 weeks to check on the status of the dispute. I called on XXXX/XXXX/XXXX to check status and was told everything was still pending and to call back in a week. On XXXX/XXXX/XXXX I called again and the representative said that all charges had been found in my favor and my refund of {$49.00} was being mailed to me at the address given, and to expect to see the card within 2-3 weeks. I called again on XXXX/XXXX/XXXX as I had not gotten my card and was told that the dispute was pending until XXXX/XXXX/XXXX! How was the dispute found in my favor on XXXX/XXXX/XXXX when it was supposedly pending until XXXX/XXXX/XXXX? U.S.Bank has very shady and deceptive practices on refunding customers for fraudulent charges, and I request that my replacement card be issued as the representative on XXXX/XXXX/XXXX said she requested immediately for the amount of the disputed transactions for {$49.00}

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 monetary relief
Consumer complaint received 02/26/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Already XXXX complaint against XXXX XXXX Bank account XXXX is on file report was made on XXXX/XXXX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency Portfolio Recovery which report to my credit report last XXXX XXXX for the sum of {$600.00}.

Company response to consumer: Closed with explanation