milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
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 submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a very harassing letter from Capital One, my mortgage company, demanding I show them proof that I have hazard insurance. I am trying to find out what they mean by " hazard insurance. '' Do they mean the insurance XXXX XXXX XXXX XXXX carries for the units? In the past, XXXX XXXX XXXX XXXX provided that information to me and I would forward it to Capital One. Besides being very harassing, the letter does not even give a final date that they will accept proof of insurance. The letter was sent through USPS, First Class Mail. Furthermore, no one signed the letter. I would like to have the best address to send a copy of this letter. I believe it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that used to verify the accounts I disputed. Being that they have gone past 30day Mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 01/25/2018 about Student loan (Private student loan) with GREAT LAKES (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Parent Plus with Great Lakes. Original amount was XXXX ( XX/XX/XXXX ) and now is over 19,000. I have paid since the onset of the loan in XXXX. I have somehow been duped, lied to and placed in a never ending payment plan. How does this happen? I was unable to secure another loan to pay this one off. I DO NOT believe this type of interest gouging is legal- if this is- SHAME on them and the Fedreal Government for allowing this agency to take over these loans. I am more than happy to pay off the original debt. This new debt is way beyond my original agreement. I have been swindled. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TD bank is not allowing me to link my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (VA).
Issue: Managing the loan or lease

Complaint: My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate. 
Thanks for anything you can do to prevent this from recurring.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XXXX XXXX, XXXX. Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the XXXX website part of the data breach that took place betweenXX/XX/XXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.

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 01-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In a letter dated XXXX/XXXX/XXXX, the bank ( falsely ) claims that the entire forgiven amount {$150000.00} was principal. That amount as principal is not possible -- based on the declared principal at the time of my original purchase and the new principal due per the work out plan. 
The bank, under the direction of the Federal Bankruptcy court for mediation, finally offered me a workout plan based on the bank 's determination of the current value of my home. To my knowledge, there was NO independent appraisal. That mediated agreement was signed XXXX XXXX XXXX. 

The details for that FUTURE workout plan included the bank 's claim that I owed {$290000.00}. I do not know how they made up this number. There was never a time when I owed such an amount as principal. 

The original note I signed in XXXX was for a principal amount of {$180000.00}. The new principal amount from the XXXX agreement is {$120000.00} ( interest bearing ) + {$13000.00} ( non-interest bearing ). 

That is a difference of {$49000.00} in principal. Where the {$150000.00} claimed as PRINCIPAL by the bank came from is a complete mystery. It seems the bank can make up whatever numbers they like and make whatever claims they wish and too bad for the consumer. 

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Credit card) with Diversified Recovery Bureau LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.

Company response to consumer: Closed
Consumer complaint received 01/19/2016 about Other financial service (Debt settlement) with Brelvis Consulting, LLC (NE).
Issue: Excessive fees

Complaint: I called this places number thinking they were the student loan place and they were n't, they really did n't tell me they were just a help center. They consolidated my loans which were already consolidated with XXXX my current loan place. Then they turned my loans over to XXXX XXXX XXXX who paid off my loan to XXXX. I had given this " help place '' my credit card # thinking this was how I would pay into the loan place, but what they did was charge me {$590.00} taken out {$150.00} in a four month period. They have already taken out {$300.00} which I told my credit card I was disputing. I called this " help place '' to tell them this and was told they would turn me in for collection. Now what do I do? I need help getting my money back.

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 02/15/2018 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (WI).
Issue: Problem when making payments

Complaint: Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not 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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I refinanced a loan and are waiting for a refund of our impound account from Loancare/ XXXX . We paid our property taxes of {$3600.00} during the closing of our refinance on  XXXX / XXXX /   17. We were told that Loancare receiv ed the refund on  XXXX / XXXX / 17 .  <P/> We received a portion of our impound account on time however we are missing the {$3600.00}, the same amount we paid for our real estat  e taxes in closing.
Made numerous calls and sent emails to Loancare with   no help or results.

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 08/15/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.

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 08-12-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Making/receiving payments, sending money

Complaint: Paypal denied my fraud claim for a fraudulent transaction on XX/XX/XXXX in the amount of XXXX. Paypal claims I previously submitted an e-check in the same amount to same person, which is a lie, I explained to rep that whomever did the transaction had previously attempted it differently using an e-check but that was canceled prior, then sent directly from Paypal balance. This was done so I am unable to dispute the transaction as a purchase, I also explained this to Paypal rep ( s ). The person the funds were sent to. XXXX XXXX, has not responded to my emails and I absolutely do not know this person. I suggested to Paypal rep ( s ) that the transaction be reversed out of the persons account ASAP. However, they have not complied and will not credit my account back. I have also explained that someone also hacked into my XXXX account prior, I was advised via email by XXXX to change my password. I think the same person ( s ) may have also hacked into Paypal account. I did change password and added extra security as suggested by Paypal rep, however, they have done little to nothing to get funds back

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: I received Escrow letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX formerly Nationstar Mortgage XXXX stating I had a shortage. I contacted XXXX XXXX and spoke to XXXX, XXXX of the Managers who informed me that they would not allow me to pay my shortage in full to prevent an increase in my monthly payment. I was told there 's a shortage of {$250.00} but they were still increasing my monthly payment by {$35.00}. Only reason I was given is that that 's their policy on handling escrow accounts. I 've owned many homes and never had a situation whereby I could n't pay the full escrow shortage to prevent an increase in my monthly payment. They also charge me xtra for making XXXX automated payments monthly which I never encountered either. This is suppose to take effect XXXX/XXXX/XXXX ; therefore, I would appreciate your prompt response. Please let me know if you need any info.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Installment loan) with Colony Brands, Inc. (LA).
Issue: Taking out the loan or lease

Complaint: Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to update my credit file. XXXX XXXX forwarded an update on XXXX/XXXX/15 to Equifax but they refuse to update my file. Equifax does not respect the CFPB and each time I complain about Equifax to the CFPB, Equifax responds that they need 30 days to research. I am not sure why you would need 30 days when the creditor provided you with an update. THIS HAS TO STOP EQUIFAX SHOULD NOT BE ALLOWED TO OPERATE IN THIS MANNER. In the last two weeks I have been denied credit for home owners insurance, line of credit and new vehicle.

Company response to consumer: Closed with explanation