milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: I obtained an educational loan through  XXXX   XXXX   XXXX   XXXX  (   XXXX   ) in  XXXX . The loan was administered by  XXXX   XXXX .     Following my retirement at the end of  XXXX   XXXX , I received only one bill from  XXXX   XXXX , for  XXXX   XXXX . I received no more bills from them thereafter, believing the loan to be paid off after 4 years. In  XXXX  of  XXXX , I discovered that  XXXX   XXXX  had submitted negative remarks to my credit records. I contacted  XXXX    XXXX   and arranged to bring the account up to date, which I did immediately.  XXXX   XXXX  claimed their bills were returned, and phone calls unanswered. However, I had not changed my address during the prior 21 years, and received no phone calls or messages from them. In addition, a test letter generated by  XXXX    XXXX   reached me successfully.  XXXX    XXXX   agreed to correct my credit records, acknowledging that  XXXX   XXXX  had caused the delays in payment by not providing timely billing.     Since that time, I have had my credit record cleared with other agencies.  XXXX   XXXX  claims they have contacted TransUnion multiple times ( see attached ), but no correction has been made.     I paid off the loan in full in  XXXX   XXXX , after receiving a report from TransUnion showing no adverse reports.     On  XXXX   XXXX ,  XXXX , I received a notification of my  XXXX  score from a loan application, and accessed my credit report from TransUnion due to the lower than expected score. The report is again showing the adverse report from the educational loan.      XXXX    XXXX   and I have exhausted our ability to clear this record.

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 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Medical) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have any ownership of this collection debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement on my experian credit report and I have no idea where it came from and I have stayed with my parents since XX/XX/2010.

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 09-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am attempting to release a co-signer from my loans. This has been problematic because I live and work XXXX. A successful co-signer release involves a few things but in my case paying 12 months consecutively with no late fees is the issue.
My lender does not currently have the ability to offer me auto payments via my international bank so I can not ensure on-time payments. My earnings are made in a foreign currency and I must convert and send payments over to my XXXX XXXX account which is where the problem lies. I am at the whim of the intermediaries capabilities to deliver the funds on time to make the payment.
All other requirements check out. It just seems it will be impossible to accurately target 12 months on time payments when the deciding factors are not in my own hands, being a reflection of my credit worthiness.
This fact has been confirmed with a representative as being a sad and unfair situation, but, nothing is available in terms of solutions from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. 

Continuing to report these items can be seen as willful non-compliance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Other financial service (Debt settlement) with Conn's, Inc. (NC).
Issue: Customer service/Customer relations

Complaint: HELLO, Re : Account # XXXX I have called asked you people over 15 times to change my DUE DATE and you still have not done it propery! YOu keep sending me emails telling me I am past due. What till it take for your incompetence to be corrected? 
I really regret ever getting into bed with you. And I can not wait to pay you off in full, so I do n't ever have to deal with you again. It was a mistake and I will NEVER do business with Conns! 
CHANGE MY DUE DATE TO THE XXXX of each month immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I stopped paying my mortgage XX/XX/XXXX at the advice of a real estate lawyer. My mortgage company still has not foreclosed on it. The house burned down XX/XX/XXXX. I notified them and paid them the insurance money from that. They continue to call me over and over, and every time they do n't seem to know anything about my situation. They continue to delay my foreclosure for reasons unknown to me. I think it has to do with trying to give me assistance, even though I 've declined that for years. I 'm tired of nothing happening and them not knowing what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over {$4000.00} to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website it states " forbearance prior to co-signer release may disqualify me and that a direct debit electronic payment may be necessary prior to requesting co-signer release. I paid {$200.00} which is more than requested this month ( my son died only 1 1/2 weeks ago ) so to put me into forbearance status when I made a payment and there were no payments overdue, was unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Medical) with Rubin & Rothman, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with LEXISNEXIS (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Lexus nexus is reporting drivers license suspension as of XXXX 2010 upon contacting DMV no such record exists lexis nexus is reporting false info to extort money out of me pls help licensce no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Payday loan debt) with Coastal Financial Solutions, LLC (OK).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  Coastal Financial Solutions . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between   XXXX   XXXX   after I have told them in the past to never call me at my job.

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 02/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am aware that TransUnion had a server error last year whereby multiple credit files had inquiries inadvertently removed. I recently checked my TransUnion credit report and can not with any certainty recall the history of any of the hard inquiries on my report. Therefore, because I feel victim to the lack of data integrity and the fact that TransUnion failed to follow the legal requirement of FCRA Section 611 stating that the credit bureaus must notify me within five days of reinsertion of inquiries, I ask that they remove all inquiries from my report. 

Please request that TransUnion remove the following inquiries : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I opened an account with American Express in XX/XX/XXXX. It was agreed that I would receive an available balance of {$5000.00} and I would repay at least the minimum payment on time. I did not activate this card until the spring of XX/XX/XXXX. I registered online and everything was fine. I began using the card in XX/XX/XXXX. My wife 's brother was XXXX XXXX and we went to Alabama to see him one more time. We had spent close to {$2000.00} and I went online after we returned to make sure we did n't exceed 33 % of available balance so we did n't affect our credit. We had n't so I made a payment of {$100.00} which was much more than the minimum payment. We are going to Oregon in XXXX and were going to use the card for that trip. I logged into my account to check the balance and to my surprise American Express had lowered my available balance from {$5000.00} to {$2000.00}. Because of their actions my credit will take a hit next reporting period and I do n't have the available funds for our trip. I have done nothing to cause this to happen. I 've never been late on a payment, matter of fact there 's only been one payment due and I payed more than what was due! I thought an agreement was an agreement. Binding on both parties not just one. I want American Express to restore my available balance back to the  agreed to amount. What they have done is at least incredibly poor business practice if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I had multiple student loans with Wells Fargo Education Financial Services.

As soon as the payments started I put my account on auto-payment. Most, if not all of the loans ( I need to review paperwork to confirm ), were scheduled to be finished in XX/XX/XXXX. 
I haven't received monthly statements due to being on auto-pay. I recently received a bill in the mail for {$50.00}. This is less than the monthly payment I have been making since XX/XX/XXXX. I thought this would be a final payment and that is why I was receiving a bill. I called and they told me it was not a final payment. I received the bill as I " ran out of payments ''. When I asked what that means, I was told that I had made the required number of payments on the loans ( by auto-payment ) but that they hadn't been collecting enough to pay off the loans in that number of payments. Not only had they not been collecting enough over the last 10 years, but I still owe {$9000.00}. 
I have escalated this to multiple managers at Wells Fargo and they will not even call me back, much less explain how this happened. I do not know if it is legal to extend the length of a student loan due to not collecting enough, but it is unethical at best. 
That is beyond the fact that the company is ignoring my inquires on how to fix this problem. Again, I have followed up multiple times, and the last time I spoke to a supervisor ( XXXX ), she promised I would receive a call today with an update. When I didn't receive that phone call, I feel I have no other recourse but to contact you and hope you can help 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
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello. My name is XXXX XXXX. I pulled my credit report on XXXX XXXX, 2017 and it showed a hard inquiry from synchrony bank. I never used this company. I called they company and they had no knowledge of my formation. I did not authorize anything with this company. I ask them to remove it but they stated to me they have no information therefore they can not remove it. They then told me to called the credit bureau so i then called XXXX and XXXX  and they were no help. Not sure if this is a fraud action but I would like it to be removed from my credit. 

I also would like an inquiry removed by XXXX XXXX. I have made on time payments but the inquiry is still there. I would like the inquiry removed please.

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 12-11-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (DC).
Issue: Trouble during payment process

Complaint: Roundpoint Mortgage Servicing Company Overpaid my city taxes by thousands of dollars and it has raised my mortgage over a 1000 plus dollars. I have researched the issues that I have and I have seen a methodical pattern of the same issues that others are having such as over payment of taxes which include double payments, refusal to show documents and long hold times and ultra vague answers. I was working with a customer advocate and the number given was to a non working number. I have not made my payment due to not having the finances to pay the extra 1000 plus dollars. I have read the complaints on your database and it shows that when they say they will waive the late fee. they will not once after the due date. The issues that I am having is no fault of my own but it looks like the time it takes for them to fix the issue you are forced to pay the high increases with push back from the company to get a refund. I have contacted legal council to advise me on this and to conduct research on these issues that others are having.

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 10/20/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently contacted Carrington Morgage Services Located at XXXX. XXXX XXXX XXXX, AZ XXXX and they are refusing to remove my PMI insurance from my account. Our Property appriasals from the XXXX XXXX show our home has increased dramtically in value to {$140000.00}. Our loan amount at this time with Carrington Mortgage is {$100000.00}. Loan to Value is enough for us to have this removed. I have already faxed them a formal request to remove this and they are refusing. They refuse to ackknowledge that my home is worth what XXXX XXXX is showing. I even faxed them proof of appriasal

Company response to consumer: Closed with explanation