milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XX/XX/XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transfered to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until XX/XX/XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.

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 03/25/2018 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: XXXX  Student loan # XXXX reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.

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 09-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: the company violated the fair credit reporting act. the company is reporting 3years after the debt originated. this is an blatant attempt to disregard the FCRA and keep it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I first submitted my police report to Equifax on or around XX/XX/2017 regarding the items that were in question on the report and they have since then deleted the items one by one at a time. The only item that is remaining on my credit report is XXXX XXXX. Both XXXX and XXXX has deleted the items on the police report. I have sent in documents numerous times to Equifax including a FTC Identity theft report and a letter showing deletion of this account with XXXX XXXX being deleted from XXXX. The item in question was not reported to XXXX. I have sent Equifax copies of these documents via fax and mail. When I would call to check they would state they did not receive all of the paperwork that I am stating or that it was blurry. And I have certified mail receipts that they received my documents but they would say that they had not. I spoke with a supervisor by the name of XXXX whom I asked why is it that when I try to send my documents via fax or mail I'm having a problem with this particular company on regarding this account with them. This guy put me on hold for well over 30 min and still would not give me an answer on what I could do to actually make sure that my documents are not going unnoticed and we get to the bottom of this. He basically just sat on the phone as if he was not even listening to me and my situation was not of any concern to him

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the Co Signer on XXXX student loans for the same borrower. The loans originated in XX/XX/XXXX - XX/XX/XXXX. The servicer, Navient. is currently contacting me despite past performance on their part, poor recordkeeping by them, and the loans paid regularly since te first payment was due in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: After multiple attempts to contact the credit card companies like XXXX  XXXX, and syncrony financial, they failed to contact me therefore affecting my credit. Syncrony financial balance remaining is {$1000.00} and XXXX XXXX {$350.00}.

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 08/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I would like to dispute Compass Bank and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a Compass XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local Compass Branch and asked how to proceed. The teller told me to deposit the check to my Compass Checking account and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account. 

A few days later I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a Compass Branch. 

I respect Compass decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry by SYNCB on XXXX/XXXX/2016. I did not authorize any employee of this corporation to review my report for any purpose at any time. Further, I personally contacted SYNCB to delete this adverse information and for all intent and purpose, to provide me with any signed documents authorizing them to review my report within 5 business days, SYNCB has failed to do so in clear violation of my civil rights under FCRA and Privacy Rights Acts. To that extent, I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, housing and/or obtain new credits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: After being a loyal user with Paypal for 7 years, my account has suddenly been imposed limit use in XXXX, 2015. I could n't get access to the my money in the account. During the 7 years, I always abide the policy of Paypal. I contacted Paypal immediately but was n't given any reason why the restriction was imposed. In fact, I was told by the agent that " There is no reason. We do n't want to serve you and recommend you use other service ''. I was further shocked as being told that any money in the account would be locked for180 days, and Paypal would contacted me then to give guidance for the refund. In fact, more than 180 days have passed but I have n't heard anything from Paypal. Emails to Paypal only bring automatic reply with general instruction. 

I consider it as a fraudulent behavior. Paypal has no right to lock my money for more than 180 days out of no reason and without even paying any interest. I request immediate refund and apology for its irresponsible and abusive behavior to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (I do not know) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: company created an illegal hard inquiry on my Experian credit bureau, admitted no debt owed to agency, refuse to remove. 
illegally obtained my personal identity info from the agency 's client forcing me to pay for a debt I do not owe, to either the agency 's client or the agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: When we bought this house in 1977 it was not in a flood zone. In XX/XX/2016 Freedom mtg. informed me we were in a flood zone and had " 30 '' days to get ins., my agent said he could not get the ins. that fast. I called Freedom mtg. they said they would make note of that and I said I would have a policy to them as soon as possible. They proceeded to get their ins. and said I needed to pay the premium or they would foreclose. After receiving my policy they canceled theirs, then sent a letter saying they were going to foreclose because I had n't sent them {$140.00} for the time they had placed flood ins. on our property. I paid the amount within the 35 days, in fact I still have 20 days left. I received 12 letters in 2 days saying they were going to foreclose and now they have ordered an appraisal and are going to charge me for that. They are about to drive me insane and I would never refer anyone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am so sorry, I just want to add to this case number. I pulled the Experian Report and I have XXXX accounts that should be deleted1- if you look at the first page, you can see Experian has documented the Bankruptcy filing on XXXX/XXXX/XXXX, OK2- The XXXX card from their own payment ledger that the last payment received was XXXX XXXX, its well over 7 years old, really XXXX and half XXXX. This needs to be deleted3- the XXXX account, I attached previously the XXXX report but reattached, they have it marked for removal XXXX, the Experian report shows the XXXX filed in a bankruptcy filing XXXX of XXXX??? they just make up dates, the only BK filing on the record is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Currently have federal student loans through ACS and trying to consolidate multiple student loans into a Direct Consolidation loan. Upon completion of application through the Dept of Education my consolidation was denied becuase my current servicer, ACS, stated that I had XXXX balances on all my student loans. Per my National Student Loan Data System report my current balance is {$140000.00}. ACS is preventing me from consolidating my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

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 01/17/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was informed by XXXX after placing a request for XXXX through there online app that their was a freeze on my credit report. Upon receiving this information I spoke with 1 customer service rep ( who was rude ) and 2 supervisor 's in an attempt to correct an error in which on XXXX/XXXX/16 I had request for permanent removal of the freeze. No one assisted me in the error that Equifax caused. I continued to be informed that I had to pay another XXXX in order to get it removed after I already paid on XXXX/XXXX/16. The way in which they speak to the customer is an attempt to confuse them which is no professional nor ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Dear CFPB XXXX Request As last month i requested my Paid Tax Lien be removed from my credit report because it was satisfied and released on XXXX XXXX, 2014. But i was told by Equifax and CFPB the FTC rules said it must stay on the consumers credit report for 10 years. Here 's copies of FTC Rules Section 605. ( 15 U.S.C. 1681c see attachments Line XXXX Paid Tax Liens which, from date of payment, antedate the report by more than seven years ( Antedate ) to give an earlier date rather than the actual date of ( something ) this is my 2nd request to have this remove from my credit report. Please revisit this request Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through Experian credit agency. 

Regarding : Suit or judgement notification submitted by XXXX XXXX XXXX. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : XXXX XXXX XXXX Status : Grid code 9 Case number : XXXX XXXX XXXX of XXXX, IN I have called XXXX to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my 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 non-monetary relief
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.

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 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. 
Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient.

Company response to consumer: Closed with explanation