milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is currently reporting XXXX closed XXXX loans with a current status XXXX 120 days past due date XXXX when the accounts were PAID/CLOSED in XXXX 2014. 

also these accounts were never late they were always in the deferred status with no payment due but they are reporting them as 120 days past due XXXX # XXXX {$17000.00} XXXX # XXXX {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Given ridiculous interest rates as high as 12 %, and Sallie Mae refuses to consolidate my loans and work with me to lower my monthly payments despite making only slightly more than minimum wage. I can not afford these payments at all and there is nothing I can do about it because the loans keeps gaining interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to complain to cfpb and other various organizations about XXXX XXXX XXXX, and every so often I try again until one day you will all see how truly corrupt and what a crock they are. I have tried to contact the BBB in New York and they tell me this company does not exist and yet somehow they seem to send everyone from my generation who took out student loans into default and collections for no reason at all. All of my other student loans are in good standing and yet I am to believe that this one is the one I dropped the ball on? Now that you have gained more media attention for not providing any paperwork as to who actually owns our loans I think I 'll send this complaint one more time. I am tired of being in collections/default for over 5 years and no one has done anything about it. I took out loans in XXXX and XXXX for school and yet you fail to provide any information or requests to my emails and/or complaints or demands. Your response is always just shy of 30 days just to get you out of further action and yet the response you send on here can never be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Number XXXX with Ocwen. Ocwen is showing much more than what I owe on my Loan with them. Loan was taken out in XXXX XXXX for XXXX. Since then they are saying I owe XXXX. I have been trying to get statements showing my payments since XX/XX/XXXX. Recently with your help I did get them from XXXX/XXXX/XXXX but nothing before. The statements that I did receive had many discrepancies. I will up load the XXXX different statements to you showing the discrepancies. Beginning with the oldest statement that I have but not going to original date of XX/XX/XXXX. The oldest I have is XXXX/XXXX/XXXX to XXXX/XXXX/XXXX there were several payment that no interest or principle was applied those dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Unexplained fees on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Other discrepancies were pages XXXX to XXXX were not mailed to me. Ended balance after XXXX/XXXX/XXXX was showing at {$81000.00} with all the discrepancies. Statement dated from XXXX/XXXX/XXXX to XX/XX/XXXX Balance was lowered to XXXX then they added a suspense application fee of {$510.00} bringing it back to {$81.00}, XXXX. Statement dated from XX/XX/XXXX to XX/XX/XXXX Many property inspection fees and valuations XXXX were done on XX/XX/XXXX only Balance was down to {$79000.00} on XX/XX/XXXX then I tried to get a modification and they told me I was going to lose my home many times unless I signed the trial payment. I had no choice and they increased my payments were I could n't afford and increased my Balance to XXXX. This was ILLEGAL but I thought I had no choice at the time. Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX incorrect Balance of XXXX. Again I feel they increase my balance of my loan illegally and do n't owe what they are showing with all their fees and increase of balance. This is illegal unfair practices. I am still trying to get the statements from XXXX XXXX to XXXX XXXX to see if they have also made incorrect charges or did n't give me credit for my payments.

Company response to consumer: Closed
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Medical) with AllianceOne Recievables Management (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Through the use of a credit monitoring service, I discovered that AllianceOne Receivables Management , Inc. was reporting a debt in the amount of {$690.00}. I filled out a form on their website to attempt to resolve the issue. A Compliance Officer replied, and after speaking to her on the phone I was able to obtain an account number and a phone number to call. I called that number, repeatedly, over two weeks. I left messages clearly stating my name and the account number I was given. I finally reached them and the representative was unable to locate my account. I was given another number to call and received the same result. Again, I was given another number to call and my account was unable to be located. I now have a fourth number to call and have left a message. I am trying to be proactive and resolve this debt, but this company is making this process impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: -Good day. I am writing in regards to a 90 day late report that was placed on a cosigners credit report. I have a private loan that is enrolled within a payment program. In XXXX of 2015 I called Navient asking if I could call in my payment two weeks later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have made extra monthly payments to my Federal XXXX for the past few years since XX/XX/2014 and have recently went through all of my statements and realized the extra monthly payments are not being applied to the principal balance of my loan. 
In turn, I am paying more in interest and my balance is not decreasing accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with Alorica Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: GLOBAL RECEIVABLES SOLUTIONS SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XX/XX/XXXX2015 ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Other service issues

Complaint: I filed a spousal visa for my husband and immigration request that I submit proof of financial support to my husband while he is in XXXX. Since 2008 I 've been sending my husband money via Western Union and over 10 times I have called and made a request for this information to be sent to me via email and mailed. I have completed requested forms of consent and sent along with copy of drivers license. To date, I have not received this time sensitive information immigration has requested with DEADLINE despite speaking to multiple representatives and supervisors. On several occasions I have been promised a call back and promised receipt of information by supervisors and the result of that has been filing this grievance and complaint. Moreover, it is not helpful that 90 % of the phone representative are from the XXXX and accent is inexplicable. My level of dissatisfaction and anger is so great that I plan on posting this complaint on every social media that is on the market and the ones to hit the market. I have been a loyal customer since 2008 and have been shown or given zero appreciation, not to mention respect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 dispute this Item  XXXX   XXXX  : Account  XXXX  Amount {$250.00}. please deleted this item TransUnion. TransUnion did not compile with the State Attorney General  Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately  disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is   hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 09/26/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My federal student loans were discharged due to XXXX. My application was submitted to department of education in XXXX of XXXX but not processed/approved until XXXX XXXX XXXX. I just became aware today XXXX XXXX XXXX that Nelnet said I did not respond to their request for information during the 3 year monitoring period so they reinstated my loans ( in XXXX ) and they are now in default. I have been continuously receiving XXXX benefits without interruption. I never recived the notifications from NELNET and I was understanding they had access to my XXXX benefit income. I never had income anywhere close to the federal poverty level. My health has declined more. They had my email but I have never received any notification of the loans being reinstated.I have been so ill I have not been doing anything and have help taking care of me. 
Nelnet are now saying I have to go the the whole process again? but they can verify through SSA records that I have continued to be XXXX without interruption. This period far exceeds the 5-7 years they are wanting to see a form XXXX? 
I absolutely was not notified of this action. 
Due to my long standing XXXX and my XXXX being in effect continuously for a period far exceeding 5 years I am requesting they reinstate my XXXX discharge effective as it was originally ( or effective XXXX XXXX when my Dr certified me. I wish for them to remove derogatory reporting of default loans. I was permanently XXXX be the SSA prior to that. The department of education/nelnet is now supposed to contact persons who are showing as TPD to notify them of their right for relief. Even though my loans have been reinstated and put in default I have not been contacted.I had no idea. Many other also have experienced a similar situation and not been notified. 
I never imagined there was a problem because I knew the dept of education was able to see my SSA information and my XXXX and I have continued in permanent disabilty prior to and since the XXXX application with no interruption and I have not exceeded the federal poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 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: Public record information inaccurate

Complaint: Received a reply from TRANSUNION today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Concern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or  Bankruptcy. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgement or tax liens. A Bankruptcy filing is public information. Again, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ),  and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 11-03-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I want my bankruptcy removed from my credit report. I have satisfied the time limit of it being on my credit report. I would like it removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from XXXX XXXX and XXXX on XXXX XXXX,2017 .XXXX called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from XXXX  XXXX.XXXX is Discriminating and Retaliating against me because of my XXXX American National Origin as a 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 11/16/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX.  Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation