milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2017 about Student loan (Federal student loan servicing) with EMCC Holdings, LLC (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

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 02/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: 1. This company Convergent Outsourcing falsely misrepresented in their call saying it was XXXX, trying to collect {$170.00} XXXX owed.In a letter to me XXXX, it lists XXXX to pay or by credit card. I called XXXX & clarified that there is no debt of {$170.00}. 
2. A few days later, this same company called with an automated message to XXXX XXXX " from the District Attorney 's office with pending charges & should contact this office at once.You have been notified. '' I was terrified & immediately called that number. The same scam from Convergent Outsourcing regarding collection of {$170.00} due XXXX. 
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative, only my fairly new XXXX transactions, which are favorable. 
I have made XXXX aware of this scam so hopefully, they too will file complaints against Convergent Outsourcing. In my opinion, this should be turned over to the legal authorities as a misdemeanor or even felony. 
Convergent Outsourcing , Inc XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached and leaked a staggering amount of personal data. 
" The breach occurred between mid-XX/XX/XXXX and XX/XX/XXXX,  Equifax said. The company said it discovered the hack on XXXX XXXX. '' according to XXXX XXXX XXXX They then proceeded to not inform anyone until 5 weeks later, which is 100 % unacceptable. An attacker could do a ton of damage in 5 weeks. And before informing their customers, several executives sold a significant amount of stock XXXX XXXX XXXX This clearly shows them worrying more about their own well being than the the well being of American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with ALLY FINANCIAL INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2016 I reviewed my credit report and saw that XXXX was reporting negatively on my report to all XXXX Credit Bureaus. I have then contacted XXXX thru certified mail and requested a validation of the said debt pursuant to FDCPA. On XX/XX/2016 Design receivable Solutions sent me a copy of diagnosis or what was done to me from XXXX without my consent. As per HIPAA no medical information should n't be released without the patients consent and in this case I have not given any form of consent bearing my signature to XXXX nor Design Recovery Solutions to release such information on my behalf. I have sent a a certified letter to all XXXX CBs regarding this violation but to no avail I have not received any response from either one of them and to this day it is still showing on my report. I am requesting that XXXX to delete the said negative report due to HIPAA Violation other wise I will be filing a small claims regarding the said matter for defamation, violation oF FDCPA including but not limited to section 807-8 ) and HIPAA violation. I have all the proof should you need them please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: My account was not over drawn as I checked with Chase to validate.I gave a check to a Company that was working on my property.The name XXXX XXXX check # XXXX for XXXX dollars.I had given him checks before from the same account, He went to Chase Bank at XXXX XXXX XXXX XXXX and he was denied so he called me and i spoke to the bank person who told me he didn't know what was wrong.XXXX XXXX then went to a second Chase location at XXXX XXXX XXXX and the same thing occurred by this time i was seething. I am in XXXX California 30 miles from him and he needed to pay child support. I told him to meet me at The Chase Bank at XXXX XXXX XXXX in XXXX XXXX and we were helped by XXXX XXXX who was courteous and tried everything including calling Chase and verified I had the funds. ( XXXX ) his phone number.I tried the first and wrote a second check that cleared and then bounced.I was over 2 hours of down time and facing 2 bridge tolls and a shooting that had tied up XXXX XXXX in XXXX XXXX.I then told them to withdraw cash as XXXX was up a creek with Child Support.I am baffled and disappointed in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in ICU. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the XXXX the old XXXX of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.

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 09-06-2015 about Bank account or service (Checking account) with First Data Corporation (DE).
Issue: Problems caused by my funds being low

Complaint: I wrote check # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/15. XXXXDue to a subtraction error it bounced. Subsequently I wentinto the the store and spoke with an assistant manager whowas supposed to tell the store manager that I was going to come in toward the end of the month and pay the check. 
I also wrote to XXXX XXXX, President of the store andcomplained of their tactics. 
Since then they have referred the check to Telecheck andTelecheck 's internal collection agency for collection. Theyhave also presented the check for payment FIVE TIMES ( XXXX, XXXX, XXXX, XXXX, and XXXX/XXXX/15 )!!! 
My bank paid the check on the final submission on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Fraud or scam

Complaint: My name is XXXX XXXX and I sent money {$3500.00} to XXXX to my sister XXXX XXXX through western union for my building project on XX/XX/2017, when she got to the bank to receive the transfer is was informed the money had been picked up and they ca n't even tell her which location the money was picked up at and that I the sender will have to call western union to get that information. I called western union on XX/XX/2017 and reported the issue with them and they gave me a cawe number which is XXXX and told me to call in 20 days and refere to the case number whenever I call, I waited for 10 days and called them and I was told the investigation was completed and they have documentation from the pick up location showing my sister was actually the person who picked up the money, I disputed what the agent told me and she went ahead and gave me another case number which is XXXX and told me I will be receiving a letter no later than XX/XX/XXXX and in the letter there will be copies of the said ID used in picking up the money I never received any letter I called them again on the same day XX/XX/XXXX and the agent told me the agent who told me I will be receiving a mail had misinformed me because they do n't send out letters with such information so she said she was going to put in a request for escalation of my case and that I should call back in 72 hours, I call WU today and another agent told me the case had been closed and he advised me to contact my local law enforcement which the local law enforcement told me the crime was not committed in the county of XXXX and that western union should provide me with the pick up location so we can contact the law enforcement at that location for an investigation to be conducted but western union will never provide me with the location where the money they claim was picked up at I 'm attaching copies of my receipt from sending the money and the fraud investigation case number I think this is a fraud with western union and they need to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: UHEAA has failed to provide income sensitive/income driven repayment plan request forms to me after several requests. Over the past 2 years I was  XXXX   XXXX , and have been unable to make the requested payments on my student loans. UHEAA has not provided requested assistance to have applicable forms sent to me vi a USPS. I  do not have a printer or a fax machine, and after the threat of having my account default and sent to collections, I had to spend money that was reserved for groceries and utility bills to have The UPS Store print forms out for me. When I visited UHEAA 's website to obtain the forms I needed, the links they provide on their website to access their forms section are broken and lead nowhere. After finally accessing the forms section and printing the documents I needed, I attempted to submit my forms via fax, only to find the fax number printed on their forms ( (  XXXX   )   XXXX  ) is an invalid number. I called UHEAA to obtain the correct fax number, reached a pre-recorded message that listed their fax number  as (   XXXX   )   XXXX  ... which is also invalid! This number is an actual PHONE number. I called UHEAA to complain about this, and was told by the customer service rep that their actual fax number is  (   XXXX   )   XXXX . I was told by the rep that she receives multiple complaints about this daily ... .yet they do not correct this issue. I took the risk of submitting my forms via email, which I understand is not recommended due to the sensitivity of the information contained on these forms, because I do not trust this company and want my communications with them to be documented from now on. This company appears to be crooked and it is unfair to make it nearly impossible for someone with the inability to repay their student loans to be placed on an appropriate repayment plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, and XXXX, I suffered XXXX difficult pregnancies both cost me tens, of XXXX of dollars. In XXXX my child was involved in a XXXX car accident which required XXXX surgery. In XXXX, the last of my hardships, was when my transmission died and had to be replaced. I have tried to reach out to Flagstar Bank for help with a modification but they have been delaying the process on each and every occasion. I even had to file bankruptcy. For many months I have been desperately seeking a modification. I have received lots of expert help from several resources. To no avail each time I got a DENIED! Our home is now upside down. We requested to do a short sale but were told I ca n't apply for a short sale until my modification has been denied. They keep sending letters saying the application is INCOMPLETE! Not denied so NO SHORT SALE! This time My point of contact XXXX XXXX said my file was closed out in XXXX and that I requested the modification less than XXXX days before the foreclosure sales date ; this is not possible because I received a Incomplete Information Response Notice from Flagstar dated for XXXX XXXX, XXXX. I was never notified that my file was closed. I have been sending in my documents to Flagstar Bank for months. They just keep delaying my modification process so they can illegally foreclose on my home. To this day I have still never received any type of formal denial letter that stated when or why my modification request was denied. They said my file is closed and have scheduled my home for foreclosure in less than XXXX weeks 0n XXXX XXXX, XXXX. My point of contact XXXX XXXX told me nothing can be appealed. This is legal. I 'm so exhausted and too weak to continue this fight! Can you please help me to save my home?

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I sent Equifax XXXX requests to place a Security Freeze on my file. The First request was sent on XXXX/XXXX/16, the Second on XXXX/XXXX/16 and the Third request on XXXX/XXXX/16. Each request was sent certified mail and included my complete name, complete address, Social Security number and date of birth. These request also included a copy of my Drivers License, XXXX, Proof of address and my Identity Theft Police report. I also sent the same request for my wife - with the same documents - and she was able to obtain the security freeze upon the first request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with FastBucks (UT).
Issue: Struggling to pay your loan

Complaint: I received a payday loan in the amount of {$500.00} from Fastbucks XXXX, UT and paid back {$650.00} of it. They said No that I owe them more much more. I offered to settle at {$300.00} more but they declined it and I was served for court at the end of XX/XX/XXXX they are suing me. I have tried to work things with out with them but they are flat out denying me on settling for {$300.00} when I only borrowed {$500.00}. Please tell me they ca n't do this. These pay day loans are criminal. You have to get more and more to get out of the ones you already have.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: I have tried to work with this company Fay Servicing my account manager XXXX XXXX she is the worst.

I havent received the money back that I sent in to pay off my mortgage From my insurance check there was {$8000.00}. supposed to be returned to me. Ive been calling leaving messages also emails.I want proof that its paid off.

shes rude to me when I call, she cuts me off doesnt let me complete my Questions when I speak to her. The worst customer service. Ive complained about her it seems as they dont care they refuse to allow someone else to be my acct manager. no follow-up from supervisors they could care less how they treat their customers. I sent in my insurance check instead of fixing my house with funds from hurricane Harvey my house was totally submerged underwater and they just could care less. I paid it just so I wouldnt have to deal with them and I have no proof that its been paid off not even a letter confirming anything theres no number to call. Where I had to send my check and they refused to give me a number its been a couple of months now. I wish that someone would do something about that company all they want is your money. I need the money so that I can repair my home the weather is so cold and I have no walls yet nothing, no updates.

they harass you with letters my account was supposed to be in the modification process yet they reported me to the credit bureaus.

I had a loan modification just a couple of months ago to lower my mortgage because I was having a hard time paying it due to some personal problems, yet they have no empathy I cant get any itemized Receipt proving were my money has gone I believe they are a rip off.

Company response to consumer: Closed with explanation