milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A representative called stating that I have a {$1700.00} balance with them, when in fact that is not true. I have proof that I have been paying my bill on a monthly basis with an agency on behalf of XXXX. I frustrated because they have misleading information about me, and have access to my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.

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 03/20/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. 
I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. 
I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with P.S.C., Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed chapter XXXX bankruptcy in XXXX 2012. I included in my bankruptcy a bill from a company named XXXX. The bill was for residential garbage collection from my house that was vacant and being foreclosed. 
XXXX has given the bill to a collection company named Puget Sound Collections and they are currently trying to collect the amount past due. 
I 've contacted Puget Sound Collections several times and let them know this bill was part of a chapter XXXX bankruptcy filing. I 've even sent a copy of the list of creditors from my bankruptcy to Puget Sound Collections. It clearly states that this bill was part of my bankruptcy. 
They refuse to remove this from my credit report. It 's causing severe damage to my credit score and am in need of assistance getting Puget Sound Collections to remove this from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX/NationStar letter dated XXXX XXXX, 2015 is inaccurate. My letter was not dated XXXX XXXX, 2015 but was dated XXXX XXXX, 2015 which was within 30day appeal window from the NationStar XXXX XXXX, 2015 denial letter. ( Please see CSPB Case # XXXX XXXX. On XXXX XXXX. 2015 NationStar Customer Relations denied HAMP 1, HAMP II and Standard Modification were Default not imminent. On NationStar letter dated XXXX XXXX, 2015 stating that our loan # XXXX was suspended because our account was not current. Therefore we are qualified HAMP1, II and standard loan modification. And I have appealed with in 30days on XXXX XXXX, 2015. XXXX XXXX purposely not tell the truth and denied the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: PRIOR to opening a CitiGold checking account, I confirmed via chat while logged into my Citi accout that I was eligible for a promotion to receive XXXX XXXX XXXX miles. The agent stated, " I checked with my resources and see that you are eligible to earn bonus of XXXX XXXX miles as existing credit card member and you do not have checking account with us. '' I RELIED on this information and proceeded to open the account and completed all requirements for the promotion. I even confirmed via secure messaging that I had met all requirements. The agent told me the miles would be credited to my XXXX account by XXXX XXXX, 2016. However, another Citi agent later told me I was NOT eligible for the promotion, and the miles have not posted.

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 02/28/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I need clarification from Seterus , Inc . 
In the previous response from Seterus , Inc., the company again is claiming I have not paid the months of XXXX and XX/XX/2017 which is untrue, I have always issue my mortgage payments in a timely manner and that is indisputable, see attached! 
Now in order to get this finalized is Seterus, INC says I have to pay {$260.00} and sign a request to get the escrow funds which I never agree to put there in the first place to be released? Or just to be more clear, if I pay {$260.00} and I sign the escrow release form my account will be bring back up to date without any other hidden fees? Also, will Seterus, Inc remove the many bad credit reviews they did to my account which has affected job 's and credit?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Federal student loan servicing) with Unisa, Inc (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had XXXX for my previous loan servicer and was transferred to UNISA. It has been nothing but trouble with UNISA. My first month, they had the due date wrong. Ok, made my first payment with them with the corrected due date. I had paid XXXX XXXX onXX/XX/XXXX these are supposed to be quarterly payments, mind you. I get a bill from UNISA for the same amount with the due date ofXX/XX/XXXX I called them, they said it was a mistake and it 's actuallyXX/XX/XXXX. Great, problem solved, so they processed my check on XX/XX/XXXX. I get a bill today ( XX/XX/XXXX ) with the amount of XXXX due on XX/XX/XXXX 
My concern is 1. This is n't quarterly payments. 2. This is my second call with them. 3. How am I supposed to gather this money within two and half weeks so I do n't have an issue with my credit score? There is not much notice to me, never-mind the billing date being wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But Alliant capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed several times and no results on a judgement that is listed on my report. They have constantly got back with after the allotted time of 30 days, with unverifiable information. I called the creditor and they said they took care of things on their part and the court said the Agency should delete due to there was no executed judgement.I dealt with the company.On my last inquiry they should have already deleted due to no responce in the several request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland keeps reporting on all three of my credit reports that I owe them money. I do owe them any money. I do not owe any credit cards that they have bought.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with GMA Investments, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call from my ex coworker who I have not worked with her for over 8 years stating that someone from Summit Receivables called and asked for me and said they have document against me about a debt and they are reviewing right now for action. They called from ( XXXX ) XXXX and said to call them back at ( XXXX ) XXXX. This is unacceptable that they called an old coworker that I do n't associate with and disclosed my personal information, which is not true to damage my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 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: Account information incorrect

Complaint: Upon being denied by a creditor for " too many inquiries '' from my Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my  XXXX  and Transunion that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason : Transunion  1.  XXXX   XXXX   XXXX     2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   8.   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   10.   XXXX   XXXX   XXXX   XXXX   XXXX  11.  XXXX   XXXX  12.  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a business loan through a bank and they pulled my business credit report Business name is XXXX XXXX XXXX XXXX XXXX # XXXX there is something listed which is unknown to me, I believe placed in error on my business credit file. It also appears to be outdated and past the statute. I need help. I tried to call Equifax and can not get anyone one on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Student loan (Non-federal student loan) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am getting continued phone calls from American Education Services ( AES ) about a student loan of our Daughter, XXXX XXXX. I am not a co-signer, guarantor, reference, etc. on XXXX 's loan, and XXXX, who does not live with us anymore, has her own phone number ; which has and has acknowledged that they have. It appears that AES is engaged in illegal collection activities, and is calling us parents to put pressure on student loan borrowers. It also seems that AES may be engaged in other questionable ways of doing business that the CFPB should investigate. 

XXXX I do n't think has ever been late on her student loan for several years, but last month missed a payment date, so she was maybe XXXX days late. XXXX says that she is now current and that she paid AES. Despite that, AES keeps calling me. AES said that they would stop, but they continue to call me. AES also claims that they can call whenever they want to call, because I am her Dad. AES also called other family members. 

It seems that AES is trying to make XXXX look bad. It seems that AEs is trying to harass XXXX by calling people that she knows, so that XXXX will not be late again. These type of phone calls are illegal under Indiana law ; which states that once a consumer tells a party to stop calling, they are required to stop. AES ignores the law. This tactic may also violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: 1. Navient made predatory loans to students attending schools with graduation rates of less than 50 percent, expecting students wouldnt be able to repay their loans.

2. Navient used a baited hook with subprime loans to become a preferred lender for many schools and increase its volume, even though it knew subprime student loan borrowers would likely default.

3. After the implementation of income-driven repayment ( IDR ), Navient knowingly steered borrowers toward forbearance instead of counseling them about more affordable repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment.

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 11-04-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Shopping for a loan or lease

Complaint: GM FINANCIAL MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IL).
Issue: Problems when you are unable to pay

Complaint: I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.

Company response to consumer: Closed with explanation