milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Receivable Management Services Corporation (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received an email from  XXXX   XXXX   XXXX / XXXX / XXXX  that something was just added to my credit report for collections.     THIS IS THE SECOND TIME THIS COMPANY HAS DONE THIS TO MY CREDIT REPORT!!     When I checked there is an account on my credit from  XXXX   XXXX  via THE RECEIVABLE MANAGEMENT SERVICES  XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  stating I opened an account on  XXXX   XXXX ,  XXXX  and it is now in collections for {$880.00}.     That is impossible for a few reasons : First, I have lived at my present address since  XXXX   XXXX ,  XXXX  and have had the same garbage collection company, which is not  XXXX   XXXX .   Second I had a  XXXX   XXXX  account that was paid and closed since  XXXX , at the very latest.   Third, there was nothing on my credit report about this supposed unpaid account that is now in collections, it just suddenly appeared out of nowhere.     I religiously watch my credit report. T he Receivable Management Services com pany put this on my credit report fraudulently.     I have disputed this to   XXXX   but desire to find out how and why they feel they can put whatever they want on someone 's credit report with no regard to the fact the account does not exist and the information is completely false. This is illegal for  The Receivable Management Services to  do.     I do not want to directly contact this company because it is obvious they already obtained my personal information in some way and I do not want them to have my email and/or telephone number.

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 05-02-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Using a debit or ATM card

Complaint: Someone made several puchases in the back of my morning coffee in a local gas station On the run. XXXX? I noticed it on my banking repoRonnettart. Credit report company XXXX credit monitering. A PNC employee contacted me on an odd line. Credit and XXXX othe companies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I 've filed for loan modification after a chapterXXXX bankruptcy. BankUnited erroneously claimed that I surrendered my homestead property to deny the modification. 

Further BankUnited blatantly ignored the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq. ) after Hurricane Irma which imposes a mandatory 90-day moratorium to the initiation of foreclosures and the suspension of all foreclosures already in process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

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 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My Issue is with NAVIENT : They are a complete scam! 
I have a consolidated Parent Plus Loan. I would like to pay quicker by making extra payments or changing the terms ( when they got loan from XXXX XXXX they put me in what I think is like a 30 year term .. without communicating it to me ) Now, their terms jump from 120 payments to 300 payments .. nothing in between ..really no 180 payments? They have the pay as you earn and such, but I do n't qualify ( because I am a parent ) I called to ask them to apply the excess payment to my principal. I was told that I needed to send a note requesting that with my monthly check. I explained that I pay my bills online, I was told they needed request in writing ... then as instructed requested in writing that my extra payment be applied to the principal NOT interest or to the upcoming payment. My letter was ignored, I sent another.. again ignored bunch of letters later ... I called again.. they verified that they had received my instructions ... yet my extra payment is applied to following month! Even tough I pay regularly the same amount ( {$50.00} above my scheduled payment ) there are string of months when NOTHING goes to lower my principal. Even when they do apply something to principal, it is a fraction and it is always a different amount that has no logic ( it could be more than last month, or it could be less or it could be nothing!! ) Never had a loan like this!! THIS IS A NEVER ENDING LOAN! I pay and pay and owe basically the same principal! I have paid my car loan, my mortgage ... they are mathematically calculated based on a formula ... WHAT IS NAVIENT 's formula? Now I am a grown ( old ) woman with experience dealing with loans, credit cards, mortgages, even do my own taxes .. Can only imagine the what they do to these poor kids just out of college. Navient also does not honor their agreements ... they tell you one thing, then they do another. I agreed in XX/XX/XXXX to 15 years, verified payment amount .. then get letter with different info, longer term, lower payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... EQUIFAX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have Equifax & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Risecredit, LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Under the FCRA, unverified, invalid accounts must be removed. 

If XXXX XXXX is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to Experian, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to XXXX XXXX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, XXXX has not removed from the reporting agencies information for : : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for XXXX XXXX to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.

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 10/28/2015 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Delinquent account

Complaint: XX/XX/XXXXWe opened our account a few years ago with Walmart. We paid consistently on our account until we lost our house XX/XX/XXXX. We made contact with the credit card company ( synchrony bank ) and they said there was noting that they could help us with unless I had lost my Job. They called our house several times a day/night and would leave messages on our voice mail almost every time, they would also call my cell phone multiple times a day and leave messages on it. We started to get things back on track, then my father passed away XX/XX/XXXX, again we made contact with them and again they said there was nothing they could do unless I had lost my job, even with the insurance that I paid for that the credit card company provided. Again the calls continued 2, 3, and 4 times a day at my home and on my cell phone. We told them to stop calling us and harassing us and they ignored us. We then received a letter from the credit company saying that they needed payment or that they were going to take us to court. We agreed to pay {$25.00} a month. Then we received a court notice saying that they needed a letter, explaining in written what we owed with in 21 days. I guess that the card company does not keep agreements that they say they 're going to keep. I have learned that there is a government agency that helps consumers with companies that abuse Federal Regulations such as the Dodd-Frank, The FDCPA, The FTC, The TCPA and The TILA called the Consumer Financial Protection Bureau. This letter is also being sent to them XXXX. 
Consumers should not feel threatened by big companies calling multiple times a day and that have XXXX Attorneys to intimidate the little people. We agreed to pay {$25.00} a month on our account of {$1300.00} and that 's what we 're going to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Payday loan () with Cornerstone Mitigation (PA).
Issue: Received a loan I didn't apply for

Complaint: Received call on XXXX/XXXX/XXXX stating that i took online payday loan in or before XX/XX/XXXX for {$300.00} and have not paid anything, and if its not solved they will proceed with court proceeding, i requested them the detail of loan but they was not able to provide it, first they said i got loan from XXXX and the company name they give was cornerstone partners ( Phone # XXXX and XXXX ) and they said while taking loan i gave reference of XXXX in XXXX but when i check with my bank i found that i did not even had account with XXXX at that time ( then i started reading online about this scam calls and ALOT of people are facing same calls ) here is the link i read it about : XXXX

Company response to consumer: Untimely response
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a relaitvely small XXXX XXXX mortgage on a property in XXXX XXXX XXXX, GA, that is managed by SunTrust Mortgage. SunTrust consistently makes errors in the management and billing associated with the mortgage. Each time they do so it takes a great deal of time and effort to get the problem, no matter how small, addressed and eventually solved. Not surprisingly, the errors always favor SunTrust, not me. 

Early this year because of a shortfall in the previous year 's assessed escrow, SunTrust gave me the option of paying a lump sum to bring the fund in line, or a higher monthly rate going forward to address the deficit. I chose to make a lump sum payment. But they failed to allocate it properly and thus claimed my subsequent monthly payments were short and subject to additional fees. After numerous letters and phone calls they finally acknowledged their error. But meanwhile they tacked on a small fee ostensibly pertaining to an inspection or appraisal they intended to do to the property -- which was never done, or at least they never reported the outcome to me. Neverthelss, they continue to take on a small fee related to it : {$4.00} per monthly lately. Each month I call and demand that they remove it and they do so after eating up a half hour or more of my time. Each time they assure me that the problem will be corrected, but the fee shows up again the next month -- most recently in my statement dated XXXX/XXXX/2016. I am coming to believe that SunTrust willfully makes it needlessly difficult for customers to resolve problems on their loans when those problems benefit the bank.

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 02-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Associates , LLC Has placed inaccurate information on my credit report. Company has been asked via written communication to verify account. Company sends fraudulent documentation to support claim. I WANT THIS NEGATIVE ACCOUNT DELETED NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (I do not know) with Allied Interstate LLC (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: XXXX  Disputed {$1000.00} collection on my Equifax and   XXXX   reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX  Equifax sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the Equifax removal to   XXXX    XXXX  Checked my credit reports and both Equifax and  XXXX  had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX  Equifax reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidence  to Equi fax and   XXXX   to dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Bankruptcy

Complaint: In 2014 I became unemployed and XXXX Credit cards through XXXX XXXX began collection efforts on my past due account. I called them and tried to work out a plan to get current, however they sent the account to XXXX XXXX XXXX XXXX. I filed for Chapter XXXX bankruptcy because many creditors would not work with me, and closed my account. However, XXXX XXXX continued to badger me for payment, I agreed to a payment plan because they harassed me. I found out later that in bankruptcy they must stop calling and all collection efforts. XXXX XXXX and XXXX both were notified of my bankruptcy and that I represent my self, they were sent the notices of hearings and did not attend any of the hearings, they would not reaffirm my account and keep it open and XXXX refuses to stop the collection automatic debits they harassed me into accepting. I have stopped payment with my bank, but they change the amount of collection and the debit goes through because the amount does not match exactly. I have written them of this bankruptcy, called them about these payments, they are rude and tell me to call back the next day to talk to an analysis, the analysis is not reachable they keep me on hold for upwards of 20 minutes and I call again and get the same treatment. This company is taking payments from me even though I have notified them of the bankruptcy, they refuse to stop or return the money taken against the law of bankruptcy. I have reported them to the bankruptcy trustee, but I still get no results. What do I do to stop this harassment, on the phone they tell me that they do n't have to stop the payments and that I must have a lawyer call them, I explain I represent myself, but that does not matter to them.

Company response to consumer: Closed with explanation