milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I h ave 6 hard inqui rers which I do n't authorize. Please start investigation to find a way to delete the form my credit bureau.      1.    Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  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 03-02-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have 2 loans with XXXX. On XX/XX/XXXX, the interest for both loans capitalized. When I called XXXX to inquire the reason behind the capitalization, I was told by their IR department that my REPAYE recertification application submitted on XX/XX/XXXX had an electronic signature instead of a wet ink signature and that this resulted in an incomplete application. Because my application was incomplete, I missed the XX/XX/XXXX deadline to submit the recertification application for REPAYE so my loan repayment automatically changed to the 10 year IBR repayment plan and consequentially my loan interest would capitalize at an unspecified future time. I was not notified by XXXX that my application was incomplete and denied until XX/XX/XXXX, at which point it was impossible for me to submit a wet signature in time for the XX/XX/XXXX deadline. I had called XXXX customer service multiple times in XX/XX/XXXX and XX/XX/XXXX regarding the status of my recertification application and I had been reassured by multiple customer service agents that my application was complete and that it was a matter of time before my application would be reviewed and processed. After I learned that my application was denied on XX/XX/XXXX because of my electronic signature instead of wet signature, I promptly submitted a wet signature to XXXX within 1 day. However, XXXX still faults me for missing the XX/XX/XXXX deadline, even though I had submitted my recertification application in its entirety to the best of my knowledge and following all instructions on the recertification application given it was not written nor verbally conveyed to me anywhere that I had to submit a wet signature. Therefore it is not my responsibility nor my fault that my recertification application was signed and submitted with an electronic signature. So XXXX should not be allowed to capitalize my interest for the reason that I missed my recertification deadline in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by the Phoenix Group of XXXX XXXX to collect on a debt from over 3 years ago when I broke an apartment lease. I was never sent letters from the apartment detailing this debt prior to being sent to collections. The collector said I owed nearly {$2000.00} in unpaid rent and damages. I updated my address with them but they never sent me anything in the mail to detail the debt, confirm the collection agency, or the notice of right to dispute. One letter was sent to my parents ' house since my father cosigned, but it was just a copy of the bill the apartment complex claimed I needed to pay. When I asked about disputing the claim, they told me this was not possible. They said I had to settle or it would be on my credit forever. They kept adding interest and trying to make it seem like a favor to take it off, although it should n't have been added in the first place. It took months and talking to 3 different people to have them reassess the debt, showing someone moved in much sooner than they said and my debt was only around {$500.00}. When asked to send a letter since I still had n't received one over 6 months since they started calling, they claimed one had been sent although it had n't. I asked them to send another but still never received one. I received a call today from a man saying he was the end of the line ; the apartment needed to know if I was settling or refusing. When I tried explaining I had n't received anything in the mail, the man interrupted me, saying it was clear I was refusing, and hung up. The issue has still not been resolved and is affecting mine and my father 's credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I previously filed a complaint against credit reports from XXXX apartments for an amount they have put against my credit that I do not owe them. I attached many pages of backup, but want to attach these XXXX pages from them XXXX states at the bottom of the letter- " Federal law gives you 30 days after you receive this notice to dispute the validity of the debt or any portion of it. '' " If you dispute the validity of the debt or any portion of it in writing within 30 days from this notice, we will obtain and mail to you proof of the debt. '' Do THEY not have to comply with Federal law also? I disputed in writing several times. I was told I would receive receipts and pictures, which I never received. Since they did not comply with Federal law within 30 days, I believe this claim should be null and void. I will not be blackmailed into sending them money I do n't owe them and this erroneous entry on my credit report will prevent me from being able to rent in the future, unless it is removed.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: According to the Fair Credit Reporting Act, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Experian needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Experian three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Experian to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Experian has reported in error and for Experian to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

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 10/14/2016 about Student loan (Federal student loan servicing) with ACS Education Services (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I 've had a student loan with ACS Education Services for approximately 13 years. I 've made monthly required payments since that time. I fell behind one month payment recently and I 've been trying to contact customer service to speak about forbearance. I checked my account today in fact- exactly 30 days late. I 've contacted ACS customer service 4 times in the past month, including twice today. Every time I call the representative says they are not " allowed '' to talk to me and route me to the voicemail of a paralegal named XXXX XXXX in the legal department. They will not even answer why they ca n't help me and I have to speak to this woman. It 's very bizarre. I can only assume this is because I 'm 30 days late, which is not very severe in my opinion. I 'm not in collections or anything because ACS is still billing me as usual. They just refuse to help me or speak to me. Because they refuse to help me or give me any customer service as they are legally obligated to do I have no choice but to report their actions. Its so sad that it takes this for me to try and get a simple question amswered about my student loan. The whole thing is truly bizarre. But the one thing I do know is that this company is not following policy in regards to providing help and access to their consumers. I 've never has a account somewhere where they just wo n't speak to you and give you no reason why. I 'm wondering if they are understaffed and and failing to invest in the trained individuals they are required to have on staff. I 'm hoping you can help me get a response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My name is XXXX XXXX XXXX. I was approached by a sales representative that attempted to sale me a service packet for XXXX while I was shopping at XXXX 's XXXX in XXXX Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't. It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a year ( XXXX and XXXX ). Thank you for your assistant.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are unauthorized inquries on my report that i haven't initiated i have no connections with these companies and asked that they be deleted from my report. Items listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX   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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the EquiFax hack. There has been no recourse offered beyond standard shallow free monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received phone call XXXX/XXXX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as XXXX my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!

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 06/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls due to a past due credit card payment- I answered while on a brief break at work, the woman on the line asked if I was ( First, Last name ), in which I replied yes. she then disclosed the debt, where it was for, amount, due dates, all details without first verifying my identity, or that I was in fact the borrower. Anyone can say yes to this question. I am extremely upset that they would disclose this personal information to anyone who would say they are me.
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Comenity Bank, Children 's place store card

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter in XXXX 2015 stating my loan was being sold to another mortgage company. I called because I did not know what was going on. I was told the situation did not affect me in any way and that I did not have to worry about payments since it was autodrafted from my account. 
Today, I pulled my credit score and saw that I was 60 days late. Freedom Mortgage refuses to remove the late payment even though I told them I would pay the back payments. They refuse to remove it because they said they have tried to contact me via phone and mail. I have not received either. 
Companies buy and sell mortgages without thinking how it will affect the homeowner. I should not be penalized. I did call when I received the letter. This situation is just wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It appears that someone has been using my Social Security number to take out a home mortgage and other activities since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NCO financial was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector XXXX XXXX refuses to remove debt from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: Request a RESPA from XXXX XXXX XXXX XXXX However they redirected tequest to servicing company ( WELLS FARGO ). 

Requesting XXXX, TILA & RESPA from first date of origination XX/XX/XXXX. 

XXXX XXXX originators filed bankruptcy, sent to ASC and now Wells Fargo. 

Also, request a amorizatiin from XX/XX/XXXX-present.

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 04/14/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: Here is the letter i sent it to the bank through a lawyer : VIA FACSIMILE AND U.S. MAIL Fax No. : XXXX Capital One Attn. : Card Dispute Team XXXX. XXXX XXXX XXXX. XXXX, MN XXXX Re : XXXX XXXX Transactions Reversal Demand Bank Account No. : XXXX Our File No. : XXXX To Whom It May Concern : Please be advised that we have consulted with XXXX XXXX XXXX regarding his claim on the above referenced account. 

XXXX XXXX has informed us that he received a summary denial from your representative on the disputed transactions listed below. Those transactions were not XXXX XXXX 's as his card was compromised. XXXX XXXX has authorized this law firm to demand that your entity follow the appropriate MasterCard and FDIC guidelines in investigating these disputed transactions. More importantly, XXXX XXXX demands for immediate retroactive credits for these charges. 

XX/XX/2016 - {$37.00} - XXXX XX/XX/2016 - {$190.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$79.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XX/XX/2016 - {$43.00} - XXXX XX/XX/2016 - {$260.00} - XXXX XXXX XXXX XX/XX/2016 - {$100.00} - XXXX XXXX XXXX Unless you dispute the validity of this claim or any portion thereof within ten ( 10 ) days after receiving this notice, the claim will be assumed valid. 
Please be further advised that if your obligation remains in default, without a dispute, further legal action may be taken against you that could result in a judgment, which may include attorney fees and other litigation costs. 

Please notify the undersigned in writing if you so dispute this claim. Otherwise, demand is hereby made that you immediately issue the credit as detailed above. 

Your anticipated cooperation is appreciated. 

Very truly yours, XXXX XXXX XXXX By XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (I do not know) with Credence Resource Management, LLC (NC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They have called my phone numerous times at XXXX. I have notified them several times that I live on the east coast.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (AZ).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX Stearns Lending ( my home mortgage company, loan number XXXX ) sent me a confirmation email that my regular mortgage payment had been received and processed. I had sent a check in the amount of XXXX to them. The regular mortgage payment was {$970.00} and {$1000.00} was to be applied to the principal balance. The check was sent through the mail along with the payment coupon showing how the payment was to be applied. Stearns Lending cashed the check for only {$970.00}. I sent an email to their loan care department along with a copy of the cancelled check showing that only {$970.00} was taken out of my account. I received an email from them on XXXX XXXX confirming receipt of the email along with a ticket number ( XXXX ) investigating the issue. I did not hear from them again until XXXX XXXX when Stearns sent me an email saying the issue was resolved and the ticket closed. I called them to ask what was the resolution. The agent did not have a resolution in her documentation but said they would go my bank, XXXX, and pull the funds out. I called XXXX and pointed out that the check had not been cashed for the amount written. On XXXX XXXX XXXX debited my account for the additional {$1000.00} and sent the money to Stearns. I kept checking my Stearns account to verify the money had been applied to the principal of my mortgage. On XXXX XXXX when it still had not been applied, I called Stearns. I spoke to agent # XXXX who told me that I needed to get a " transmittal form '' from XXXX to prove that the money had been sent. XXXX tells me that I need to come into the bank in person to get that. I will do so in the next couple of days. In the meantime, the {$1000.00} has not been applied against my principal and my account is accruing interest that it would not be accruing if the principal had been reduced by the amount I paid at the end of 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 08-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges.

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