milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In mid-XX/XX/XXXX we discovered we had a number of delinquencies on our XXXX XXXX XXXX XXXX account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XX/XX/XXXX, we found that our XXXX account had late payments showing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. XXXX XXXX disagreed with our dispute of these entries. We then spoke directly to XXXX XXXX in late XX/XX/XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX, MT. We received a response from XXXX in early XX/XX/XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. XXXX completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX and XX/XX/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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERINATIONAL COMMUNITY SERVICES, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX XXXX began servicing my energy loan. It was transfered from another loan servicer. The payment in question was sent to the old loan service and another transfered. XXXX is in violation of federal consumer financial law. 60 day grace for loan transfers. I have filed a complaint with XXXX and XXXX a XXXX XXXX XXXX at XXXX. Not fixed as of 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 01-09-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In report no. XXXX, Equifax deleted what was n't mine, XXXX filings by stating they entity has a different address, but the same case number, then relisted the deleted items with the same case number as under investigation. On XX/XX/2017, Equifax produced a report that stated the items wasnt deleted, they werent excluded or removed with the non-existent address baring the same case number, and once again relisted the XXXX filings as if they were under investigation but the false statement in the XX/XX/2017 is different then the statement of removal in the report XXXX, which said the following : & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX misapplied my payments. I have submitted to Transunion cancelled checks supporting my contention, ALL BILLS WERE PAID ON TIME They have adjusted the current parts, but wo n't correct the past errors

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with Rodenburg LLP (WA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I am currently being garnished from a judgement that was unfairly put on me. I was not given the chance to defend/explain myself in court and never received any papers served to myself for the given judgement. I have attempted to contact the Rodenburge Law Firm several times but every time i am met with a voicemail system and no response. I even attempted to send their company an email to which i never received a response to. 

My current employers have contacted me with the judgement which has tacked on a ridiculous amount of interest to a judgement that unfairly placed upon me. I was not given any notice to appear before court or a chance to even defend myself. 

Now, years later I am being garnished without warning from Rodenburg Law firm whom I am unable to even contact for comment regarding these allegations. 

Another thing that really bothers me about this is the chance that these documents might be forged or tampered with. I see that in the top right corner of the garnishment it says : WRITE EXPIRES XXXX XXXX, XXXX ; and at the bottom of judgement it says : Given under my hand this XXXX day of XXXX, XXXX. This paperwork looks smudged and as if it was filled in by someone with their own handwriting, in other parts of it it is not even legible ( bottom middle ). 

I do n't understand how they can take {$5600.00} out of my pay check when the original judgement was for {$3700.00} and I was never even given a chance to represent myself in court. How is this even possible or legal? Even though I have attempted to contact them several times i cant seem to get any further documentation and/or explanation out of them. 

I 've been doing research on this Law Firm and have found numerous complaints and unethical treatment of the people who they are taking money from. I am afraid i am not the only one and this horrible treatment of honest hardworking people needs to stop. 


Under the state that this debt was formed Montana the creditors violated the following laws : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have tried to make payments on my account despite loss of income and told they would not take anything less than total due. After I paid the entire past die amount they immediately closed out my cards which NEVER went 90 days past due, only  XXXX , they falsely report past due amounts, I slowly caught up but a few cards remain behind by a few days to over a month a s I contin ue to try to pull myself out of debt. The company Synchrony bank continues to call me multiple times a day, averaging to an hourly bases despite me talking to the company representative. They call as early as  XXXX , as late as  XXXX , on the weekends, and call my family members, they have my phone number, I have told them multiple times to stop calling my family members phone numbers but they continue to call.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my  credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been  late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know th at i am anal about my cre dit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.

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 11/17/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: Nationstar Loan # # XXXXXXXXXXXXProperty : XXXX XXXX XXXX XXXX . 
XXXX NC XXXXRE : The Short Sale Lender has Address incorrect in their system and will not correctWe have requested a correction to address and sent in supporting Nationstar documentation that reflects the correct address. Nationstar Deed of Trust, XXXX County Legal Tax Record and Nationstar Mortgage Statement. It is imperative to the XXXX Attorney & XXXX XXXX to have the correct address reflected for consistancy for the borrowers protection and future liability. We need you help enforcing these title corrections. All of the Nationstar correspondence has the correct address. No manager no escalations will help us. Once we convey the property, no insurance, no title nor coverages will be valid with this incorrect Nationstar data entry. CUSTOMER SERVICE WILL NOT PROCESS THIS XXXXXXXXXXXX - XXXX XXXX XXXX. 
XXXX XXXX ( 13 days ago ) Your " REPLY '' will be sent to XXXXXXXXXXXXHello, The address has to be corrected via customer service. I can not change the address. Customer service will require proof of the incorrect information and verification of what needs to be corrected. The original loan documents were accepted with the error. 
The number to customer service is XXXX XXXX XXXX. XXXX Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Portfolio Recovery called me on XXXX. I requested they do not contact me. I submitted something in writing requesting this. I received another call on XXXX and today XXXX, again reiterating that I have requested them to cease and desist contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I received a {$350.00} pay day loan in XXXX. To date, funds are still being deducted from my checking account. I was told my last payment of {$13.00} will be paid on XXXX/XXXX/XXXX. I have paid back over {$2200.00} on a {$350.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have not received my check from the settlement from paymap. I followed the instructions but never got the check from the company but they are refusing to reissue the check for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX AND TRANSUNION REFUSED TO UPDATE MY PERSONAL INFORMATION

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 06/15/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not owed. Disputed several times. Debt and amount was never verified as mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 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: On XX/XX/XXXX a dept validation was sent out to Portfolio recovery. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: i have had a student loan for years. I was kicked out of the school because they changed the program hours and I could n't do day hours. I have tried to get the money back but have not been successful. Now the school is closed and I am at a loss. My husband is in the military and Im trying to claim SCRA. Im so tired of this loan. Please help me!!!!
The loan was original amount was XXXX. I now owe XXXX due to late fees and what not.
My loan was through XXXX XXXX Now its with navient. My account number is XXXX. Any help with this would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I 've asked Navient ( formerly XXXX XXXX ) for XXXX things : 1. ) to have my cosigner released from my loans, and 2. ) to be provided with amortization information on my loans. Navient has denied both requests, for reasons that have not been made clear. There is no reason why my cosigner should not be released. I have paid as agreed on my loans for the entire time I 've been paying my loans, and I 've never defaulted. I formally applied to Navient to have my cosigner released and they denied my request, in writing, but with no reason explained. Also, there is no way to obtain amortization information for my loans. I 've asked Navient through their message center and was told that the information " is not available at this time. '' These practices are wrong. I 'm looking for information on the terms of my loan, which they refuse to provide. I 'm not looking to lower my payment, I 'm not looking to get out of my payments, and I 'm not looking to change the terms of my payment plan in any way. I 'm simply asking Navient to release my cosigner because there 's no reason for her to continue to receive correspondence from them or be bound to my loans, because I 've paid as agreed for the entire term of the loan thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Key 2 Recovery, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with CITIBANK, N.A. (WA).
Issue: Credit card protection / Debt protection

Complaint: I was sent a rebate card issued by Citi bank from XXXX. I was not home during the time frame to receive the card. Upon coming home and checking my mail I Did not find the card. I contacted the fraud department and reported that it was not received, they informed me that the card had been used. I sent in a fraud report and after review the bank denied it and wo n't disclose why I was denied

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 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.

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 card () with CITIBANK, N.A. (MA).
Issue: Rewards

Complaint: Sears credit card ( administered by Citibank XXXX ran a promotion promising 10 % back on purchases totaling up to {$800.00} per month at gas stations, grocery stores, and restaurants from XXXX through XXXX 2016. ( Email and letter describing terms will be attached. ) These credits have never been processed properly, despite my contacting customer service four separate times. My purchases in the relevant categories totaled {$630.00} in XXXX, {$540.00} in XXXX, and {$780.00} in XXXX, so I ought to have earned {$190.00}. At one point, I did get credited {$58.00} ( a number that corresponds to nothing so far as I can see ), but I 'm still short {$130.00}. ( Relevant statements will also be attached. ) Processing this promotion requires nothing more than simple arithmetic, but customer service just keeps saying -- four times, now -- that the problem will certainly be resolved by some certain date, at which point nothing happens, I call again, and they offer some other date. Last time, customer service tried to tell me I was complaining prematurely because two statement periods had n't yet passed ( they had ) and the problem was n't yet 8 weeks old ( it was in fact 9 weeks old ). Indeed, the people working for customer service seem wholly unfamiliar with the promotions their employer has offered, and continually misunderstand what account entries mean. For instance, Sears ran a similar promotion for XXXX and XXXX, and customer service never seems to grasp that credits for that promotion have nothing to do with my current complaint.

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 08/17/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit report is showing an amount of {$58.00} due to XXXX. It was reported on XXXX. I have spoken at length with XXXX, they have no records of any past due balance on my account. I have also contacted XXXX collection agencies associated with the account ( XXXX XXXX XXXX : XXXX and XXXX, and they, too, have no record at all of this amount due. The abbreviations/source listed afterwards are XXXX/XXXX/EF - I 'm not sure what that means but perhaps that will help. I 'm willing to pay the amount due if it can be confirmed I owe it, and I 'd like to have it removed from my credit report regardless.

Company response to consumer: Closed with explanation