milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Below is the email sent to the office of the Attorney XXXX XXXX XXXX of XXXX, XXXX. of XXXX XXXX XXXX Indiana XXXX XXXX : " Good afternoon XXXX XXXX, I received a letter from you in the mail on XXXX/XXXX/2016 with regards to the unmet obligation from XXXX Hospital in the amount of {$86.00}. 

I would like to refer you to the letter from XXXX XXXX XXXX dated XXXX/XXXX/2016 informing XXXX Hospital that the above named company is 'the claims administrator for the State of Indiana 's Workers Compensation self-insurance program and are handling ... .. the claim ' and that 'as this is a worker 's compensation claim, please mote that XXXX XXXX is not responsible for any payment related to this ... medical treatment. ' According to the information received from XXXX XXXX XXXX, the billing was unable to be processed due to lack of XXXX XXXX form including the dates of services, diagnosis and XXXX codes, Tax ID number and itemized charges. 

I am positive that once the required information is provided by the XXXX Hospital, this issue will be resolved. 

Thank you for your cooperation. '' After this mail was sent and mailed to the office of Attorney XXXX XXXX XXXX of XXXX, XXXX, there was no correspondence from the above company in the form of letter, phone call or email. I had assumed the issue had been taken care of as promised by the company until i checked my credit report and found out that my score has been further downgraded. I have always pay my bills on time. This downgraded credit report has been affecting me gain employment. 

I implore you to please assist me in resolving this issue.

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 05/26/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On or around  XXXX  of  2017 , I discovered that someone opened up an account with  XXXX  using my personal information. The way I found out was because my phone services with  XXXX   XXXX   XXXX  were disconnecte d one da y. I called  XXXX   XXXX   XXXX  and asked them why. They told me  XXXX  requested my account to be terminated.  XXXX   XXXX   XXXX  tried to help me by calling  XXXX  on a  three  way call. We spoke to  XXXX  and told them I did not open an account with them and that I have been a customer of  XXXX   XXXX   XXXX  for 12 years. After clarifying to  XXXX  customer service that someone pretending to be me opened the account with bad intentions just to make my life difficult, they underst ood ( so they told me ) an d told me they would close out the account.  Three  months later I received a notice from a collection agency trying to collect a debt I did not owe in the amount of {$300.00} on behalf of  XXXX . I tried to resolve the issue with them and did not hear from them anymore. Now I get another collection notice but this time from a different collection agency attempting to collect a debt they claim I owe with  XXXX . The agency 's name is AMSHER COLLECTION SERVICES, and the amount they are trying to collect is {$180.00}. Now  XXXX  is trying to collect a smaller amount than before. I have called  XXXX  to try to resolve to no avail. They just keep assigning the account to different collection agencies. I spoke to  XXXX  on  XXXX   XXXX ,    2017  and spoke to  XXXX   XXXX   XXXX   XXXX  and said that the collection agency AMSHER was not notified of my  XXXX  balance and that they will notify them immediately. I am not convinced that this will be the case which is why I 'm filing this complaint to protect my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a private student loan with Navient. I am currently unemployed and unable to afford full payments on my loan. I have contacted them four times to attempt to work with them to lower payments until I gain employment. Twice they told me I was eligible for a year of interest only payments, which I was willing pay, and then denied my requests. Next I was told I eligible for XXXX months of interest only payments and then they denied my request for that, they claim because they do not approve short term requests. Why offer me that option and then deny it because of the shortness of the time period, when it is the time period limitation they set. Finally I asked for an income driven lowering of my payments, and was told there were no options for that on my loan. I stated I would rather make partial payments then go into default/delinquency and I was told a partial payment would be treated as a non-payment and they would attempt to destroy my credit. I have great credit because I am responsible and pay my bills. They are making no genuine effort to help me pay off my debt and using predatory tactics to try attach further charges on my loan. They have sent me numerous emails stating they encourage me to work with them to lower payments and every time I contact them the end resolution is that they tell me I have no options. It is unfair that if I am willing to keep paying the monthly interest, which is almost half of the full payment, that they opt instead to try increase the total amount I owe by tacking on late fees and charges and threaten me with the destruction of my credit. I have been an excellent customer and are now using my financial hardship as opportunity to make more money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with GREAT WESTERN BANCORP, INC. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Unfair, Deceptive, Abusive acts and practices against me and my ex husband by XXXX XXXX XXXX and XXXX XXXX XXXX regarding a foreclosure action against me in 2014 and subsequent reinstatement of the mortgage without my ex husbands consent replacing the reinstatement in his name without his express knowledge/authorization of this act. ( letter admitting GWB and XXXX XXXX XXXX  reinstated the loan without my ex husbands consent in addition to receiving {$20000.00} in Save the Dream grant funds enclosed ). 

I have file numerous complaints against both parties noted above to no avail. They continue to deny they " reinstated the loan '' although the letter from their law firm clearly indicates they did so. They erred and placed the loan solely in my ex husbands name causing him credit issues although I have contacted them numerous time to correct this issue they continue to refuse. 

This has caused tremendous financial hardship for myself and my ex husband. GWB has refused to place the loan in my name and remove my ex husband from the loan although they clearly admit they reinstated the loan without his consent after accepting the grant funds to cover over {$28000.00} in legal costs which are also excessive and abusive. 

I am attaching the letter from GWB/XXXX XXXX XXXX proving they indeed reinstated the mortgage and kept it in my ex husbands name without his knowledge.

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 12/16/2016 about Bank account or service (Checking account) with Amsher Collection Services, Inc. (GA).
Issue: Making/receiving payments, sending money

Complaint: I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I XXXX in XXXX with a stafford loan debt of {$38000.00}. The current balance is now {$70000.00} - insane. I consolidated my loan while still in school and never realized that I was doing so at a very high interest rate of 8.25 %. I 've tried numerous times to get them re-consolidated so I can get a lower interest but I 'm told that I can not do this. It 's unfair that I 'm penalized for the rest of my life for a mistake I made so long ago. I want to pay my loan off but find it impossible at this rate. They also convinced me to do forbearance and deferments and now I 've used all of them up. I am always strapped with cash because of this loan and it 's difficult to help my family out as well as pay for my expenses. My balance has doubled since I took the loans out. I need to lower my interest and get this balance down. My payments barely cover the principal. It all goes towards interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.

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 12/28/2016 about Debt collection (Federal student loan) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX  XXXX, account number XXXX ; 2. ) XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Professional Debt Mediation continues to report this collection account to be opened but it was discharged in XXX 2016 with a  chapter XXXX BK. I have disputed this account status as " opened '' a couple of times with XXXX  but the collection agency refuses to remove still. I get numerous calls, just about daily, from the number in XXXX, which is where their offices are located. I have been referred to by my BK lawyer to a consumer affair attorney, XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX ) and plan to proceed with a lawsuit if this is not handled ASAP!

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, after repeated attempts and interminable phone tree choices I have been assured that " the check is in the mail ''. 
I am to please understand that up to seven working days are needed to allow the check to arrive. 
the last check sent to to me by Nationstar actually bounced a week after depositing it in my checking account. 
I repaid my loan in full via electronic funds transfer on XXXX/XXXX/15. It is XXXX/XXXX/15 today. 
it seems like there are XXXX very distinct sets of rules here. XXXX set for me as the borrower with strict timelines and harsh consequences. 
and basically no rules at all and with no consequences for Nationstar. 
I would like to speak to a representative from your department at earliest opportunity. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY

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 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Capital One has  blocked my access, except to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Today is X/XX/17 and I have tried for the past three days to freeze my credit with all three credit reporting agencies. With all three I get a screen that says try again another time. I tried calling and got essentially the same answer.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Georgia Departmen t of Revenue had  a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my TransUnion or  XXXX  credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XXXX XXXX,2016.
There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my Experian, XXXX, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX.
All other creditors was included on bankruptcy chapter XXXX and Experian data should delete all discharged creditors.
Experian is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.

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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

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