milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello so in summer XX/XX/XXXXand again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I know for a FACT it is illegal for an item to be added back to my credit report without you getting written notification 5 days prior to it appearing. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They declined and stated they will remain. I advised them the inquiries was n't authorized anyways and I been informed them of this so when they were deleted I thought they finally listened but for some reason they just came back. Can you please REMOVED ALL THE INQUIRIES BELOW because I this is n't fair at all. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 07/23/2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The company stated on my request which is Case Number XXXX that a report will be mailed to me on XXXX XXXX, 2015 but I never received the report. I am requesting the report be mailed to me so I can dispute items that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Credit card) with Collins & Hilton Asset Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this collection agency continues to report a " discharged account on my credit reports as an open collection account and are still trying to collect this debt. I contacted this company and are refusing to update this account to reflect an accurate status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. 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 monetary relief
Consumer complaint received 07-07-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Credit card protection / Debt protection

Complaint: l enrolled for USAA Debt Protection plan on XX/XX/XXXX and l clearly told them l am self employed, fast forward to XX/XX/XXXX l lost my business and l could not afford to make minimum payment and USAA denied my application that they do not covered XXXX, they ( USAA ) been charging me over {$100.00} a month for this service. please help, l find this situation to be fraudulent and mis-informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest you didn't expect

Complaint: On or about  XXXX     2016 I co ntacted bigpictuteloans to get a payday loan for {$1000.00}. It was approved. The lady I spoke with told me the interest fee was {$250.00}. However, since that time on every pay period they have withdrawn {$250.00} twice a month. I have paid them over 5k. I asked them to stop withdrawing money as they received more than allowed by oklahoma law. They say I still owe over $ 1k. Please assist in this scam they have with their exuberant interest rates. They have been paid 4 times what I owed. I was never informed they would be taking out over {$500.00} a month since  XXXX  of  2016. P lease investigate this matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Thank you for looking into this on my behalf. My husband has had similar issues with his student loans, also managed by PHEAA. We are both in the Public Service Loan Forgiveness Program, and making  Income Based Repayments through the Revised Pay As You Earn ( REPAYE ) program, and are around 3-4 years into the 10 year requirement. Per their site, I am currently at 40 PSLF qualifying payments made out of the 48 I have made, he is at 25 out of 51 payments for grad school ( if his XXXX were submitted when my last one was in XX/XX/XXXX, he would be around 36 ), and 41 for his XXXX   loans that he has been paying on since 2005 ( since approximately XXXX with PHEAA, XXXX XXXX previously ). 

All we want is a list of payments made ( which they do provide ) and a notation whether the payment was ultimately deemed as PSLF qualifying for our records ( which is impossible to determine - they only give us a total IE payment made XX/XX/XXXX - PSLF Qualifying, payment made XX/XX/XXXX - Not PSLF Qualifying { because no XXXX has been filed yet } ). 

For some reason, getting this level of clarity from PHEAA on this has been like pulling teeth, and it is hard to fathom why this would be so difficult for them to provide. On the site, they break down payments into amazing detail - but not this detail. We have both made requests of this nature, and only seen one document one time that provided this level of detail - and this was only provided after multiple requests. 

My most recent XXXX Certification letter dated XX/XX/XXXX indicates for example that from the dates of XX/XX/XXXX through XX/XX/XXXX my employment was qualifying for PSLF, but there is no clarity on how many of my payments made during that time period were PSLF qualifying. All documents of this sort dated prior XX/XX/XXXX are no longer available to download or view via their site, so I can't access older certification forms. 

We are trying very hard to comply with the requirements of this program, but find some details challenging to discover outside of the verbal guidance of a person in their call center. We prefer clearly written instructions so there is no room for confusion, or later being told we did something incorrectly when we followed their guidance ( which has happened already - IE no one told us that if you made payments prior to the statement for the month being generated, even by one day, they would not be " qualifying '' until after my husband made a few payments 25-28 days before the due date and inquired as to why they weren't counted as " PSLF qualifying payments '' ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Caliber Home Loans which went into foreclosure. I made a large down payment and have been making payments every month since XXXX XXXX. Caliber recast the payment arrangement to lower the payments from {$9000.00} to {$7700.00} per month which was approved, and XXXX XXXX, a letter was sent to me stating that as agreed {$9000.00} was to be paid XXXX XXXX, XXXX and every month after that {$7700.00}. The letter clearly states that ALL FORECLOSURE ACTIVITY WILL BE SUSPENDED. However, Caliber did not notify XXXX XXXX XXXX ( the company that does the foreclosures for Caliber ) that there is a payment plan in effect. XXXX ordered a sale date on XXXX XXXX, XXXX and it was tacked on my door on XXXX XXXX. The letter clearly states that all foreclosure activity would be suspended. Going against the agreement, foreclosure activity began before the payment was due. Payment was due Saturday XXXX XXXX, XXXX and sale date was order XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the  screenshot I highlighted, the credit bureau added a 90+ late payment date of XX/XX/XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XX/XX/XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a loan with XXXX and I believe the Consumer Financial Protection Bureau needs to also look at Nelnet. I have XXXX and my loan was discharged under XXXX Guidelines also known as XXXX. I had spent many years trying to get the loans discharged with Nelnet. Nelnet could never seem to find the paperwork that I submitted to have the loans discharged. I repeatedly called, faxed, and mailed information to Nelnet. My loans were wrote off and charged back because of my income. I will continue to fight on these loans and have come to accept the fact that Nelnet is a big company and they will probably get there way. A letter wrote by XXXX XXXX of Nelnet to the Attorney General of XXXX on XX/XX/XXXX stated that Nelnet had told me that the calls I made on on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that they did not have an Ombudsman. That part was true than XXXX XXXX Of Nelnet continued to say in her letter to the Attorney General and to me that Nelnet recommended me to contact the Ombudsman group with the Department of Education that was a lie. " Half a Truth is often a great Lie '', XXXX XXXX. How many of these half truths does Nelnet tell the people it services. I asked for transcripts shortly after each of these calls I had made and I have received nothing. I do n't really care what Nelnet does to me and my credit rating. I want people to know that Nelnet is being deceptive at great lengths. How can Nelnet Have a good code of conduct if they are lying about the little issues. " Nelnet 's Code of Conduct applies to and serves as the guide for all of our associates as we strive to do business with the highest degree of honesty and integrity. ", this is off of Nelnets Code of Conduct website. XXXX XXXX CEO. They are just as bad as XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Monterey Financial Services LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had initially applied for a student loan to help with furthering my education. Life got in the way and I was unable to keep up with my obligations. 
In XXXX of this year I was finally in a position to resolve the debt so I contacted Monterey Finanical Services and spoke with XXXX XXXX. After a lengthy discussion with the account representative I was told that if the debt was paid they would then have the negative information removed from my credit file. I requested removal agreement in writing and I did receive an email from XXXX XXXX which I have included. The debt was paid yet the information is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: a collection account was opened  XXXX   XXXX  amount {$66.00} the  XXXX  amount {$750.00} I did not know this was on my credit report until this year. I paid both of them in   XXXX  . I never got a phone call or anything thing in the mail saying it was an issue with the payments. or that it was not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have been receiving voicemails from a company stating that I am going to be sued and arrested for a debt. I have never called back. Today, I answered a local number and it was from  XXXX   XXXX   XXXX  stating that they are the collection agency for Continental finance. I possibly owe this debt and have tried to resolve this in the past. Today at  XXXX  I answered the call because it was a local number. The lady yelled and stated that I am being sued and I need to show up for court. I requested to stop the threats and mail me a letter and I can try to resolve it. She then proceeded to futher threaten me with arrest and I asked to please mail me correspondence about this debt. She stated she would contact my employer until I was fired or they would come to my job to arrest me. BAD BUSINESS. If I owe I will pay but I am not going to tolerate threats and violations of my rights as a consumer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I called Seterus my loan servicer to inquirer about a possible Deed in lieu. They told me they would have a specialist call me within 72 hrs. Never heard from anyone so I called back and spoke to someone else. We discussed some things and he told me he will send out a application to fill out and for me to send back. In the meantime he will have some one call me to discuss my concerns, which was if I even qualify since i '' m not behind on my Mortgage. In the meantime I get a phone call and a mortgage statement that says I owe {$530.00} for legal expenses and that I do n't qualify. I inquired and they say the following. They did a title search, and see that I owe some money for Maintence fee '' s. I never told them to pull tile, I never signed a consent to pull title and all I was trying to do is inquire information. They are now telling me they pulled title to see if the person quilifys. But we were n't even to that point yet to go forward. besides who is to say that I cant pay the maintence fee that is owed. But my main concern is, who gave the right to go and spend on my behalf with out letting me know there will be charges. I know the note gives them the right to pay for force insurance, but even then they send you letter letting you know before they spend it. I know if I was behind in the mortgage it gives them the right to hire a attorney to pursue me. In this case I '' m not behind and I was only inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Rewards

Complaint: For the third year in a row I have not received a check for rewards from Sam 's Club Rewards credit card. Amounts due are always on statement, that 's how I know I have cash amount due. Each year they say they sent it with my statement. Previous years they sent a new check. This year ( XXXX/XXXX/2016 ) I was told by a representative that they no longer issue replacement checks. They stated they would credit my account and did not give a time frame. I called back ( XXXX/XXXX/16 ) and was told 30 days for a refund that was due in cash, but is now a credit. I am writing as i imagine there may be other complaints, as this is not the first time Sam 's Club has not kept up their end of the bargain, as a few years ago I had restitution for early hours not being honored. I do n't expect anything more to come of this but awareness and timely, accurate retrieval of funds owed, and accurate information from phone calls. 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 monetary relief