milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and XXXX ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their 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 explanation
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have disputed late payments multiple times with Nelnet as well as credit bureaus to no avail. I attended University XXXX XXXX and obtained loans through Nelnet. I have never been late with any of my payments. In fact, my payments have always been deferred or I 've paid based on my income. A few years ago my loans were transferred to another company and during this time is when I 'm told I defaulted on my loans. I was never aware that my loans had even transferred or I had late payments until last year when I requested my credit reports. I immediately contacted Nelnet and made them aware of this issue. Nothing changed and I still have 16 late payments on my credit report that are preventing me from obtaining housing for my autistic son and myself. It is very difficult living with family members and having a special needs child. I have NEVER been late on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with Glasser and Glasser, PLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had an old debt with a XXXX XXXX Credit Card that was bought by Glasser and Glasser , PLC. I made payment arrangements. I paid what I thought was the full outstanding amount. Unbeknowst to me, I had an outstanding balance of XXXX. Glasser and Glasser filed in the District Court of MD case # XXXX to garnish the full amount on XX/XX/XXXX This amount was garnished by my financial institution : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD, XXXX. Glasser and Glasser did not notify me in writing of the intended garnishment. My bank answered the garnishment request on XX/XX/XXXX as recorded by the District Court of MD and sent all necessary paperwork as requested to Glasser and Glasser. I have called on several occasions as well sent multiple emails requesting an order for signature from Glasser and Glasser to release the funds to satisfy this debt. I have gotten nothing but the run around from this company for the last month stating that they do not have the paperwork from my bank. I have included a collections representative from my bank in each email and he as well has reached out to the company providing copies of paperwork sent and requested that anything additional be sent to my bank. The only answer we receive is to call again! This is the contact information : XXXX XXXX ( She is the individual I have spoken to and emailed multiple times ) Senior Account Manager Glasser and Glasser, P.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX ( fax ) XXXX XXXX Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a number of items on my credit report that have been closed pre consumer request, that i would like removed form my credit report due to the alloted time they have been closed. In addition to, some item that to do not belong due to fraud/ identity theft that should be removed from my credit report. Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a loan for roughly {$5000.00} back in 2001 when I attended XXXX XXXX. I 've been paying on this loan for several years. To date I have paid more than XXXX for a XXXX loan. In 7 years, roughly XXXX has been applied to the principal ; leaving XXXX paid in interest. I still have XXXX remaining on this loan. This is embarrassing and I 'm saddened by the fact that it 's taken me this long to pay this off. At 9.4 % interest - It 'll be years before I can pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX IS KNOWINGLY REPORTING FALSE INFORMATION TO ALL CREDIT BUREAU 'S. THEY STATE I OWE {$700.00} FOR UNRETURNED EQUIPMENT. I TURNED THE EQUIPMENT IN OVER 5 MONTHS AGO. THEY FIRST STATED THEY COULD N'T FIND THE EQUIPMENT, THEN THEY SAY THEY DID FIND IT AND ISSUED ME A RETURN TICKET NUMBER THAT I WAS SUPPOSED TO BE ABLE TO USE FOR XXXX TO VERIFY THE EQUIPMENT HAD BEEN LOCATED AND THAT I WOULD SEE THE ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO THEIR NEGLIGENCE. I SEEN NO CHANGES IN MY REPORT OVER THE NEXT WEEK OR SO, SO I CALLED TO CHECK ON THE STATUS OF THE UPDATE. UPON CONTACT WITH A SUPERVISOR BY THE NAME OF XXXX IN THE BILLING DEPARTMENT, SHE CLAMIED THE EQUIPMENT HAS NEVER BEEN LOCATED, AND THERE WAS NO SUCH RETURN TICKET NUMBER ON FILE. SHE ALSO STATED THAT THEY KEEP A LOG OF NOTES ON FILE AND THAT I NEVER CONTACTED THEM BETWEEN NOW AND XXXX. I 'VE CALLED OVER XXXX TIMES IN BETWEEN NOW AND XXXX, AS WELL AS AT LEAST XXXX TIMES SINCE THE ACCOUNT WAS CLOSED. NOT ONLY ARE THEY FALSELY REPORTING A DEBT THAT I DO NOT OWE, THEIR LYING TO ME AND I HAVE A LOG OF DATES, TIMES, AND REPRESENTATIVES THAT I HAVE SPOKEN TO ON SEVERAL OF THE PHONE CALLS I HAVE MADE.THIS COMPANY HAS MADE NO EFFORT TO CORRECT THEIR OWN MISTAKES, THEY SAID I JUST HAVE TO WAIT TIL THEY FIND THE EQUIPMENT ( WHICH HAS ALREADY BEEN FOUND ), AND THEY WILL KEEP REPORTING THIS DEBT ( FALSELY ) UNTIL ITS LOCATED. THIS IS NOT ONLY UNFAIR, BUT IS A VIOLATION OF MY RIGHTS! I HAVE BEEN DENIED CREDIT, LOANS, REFUSED CAR FINANCING, DENIED APARTMENT LEASES, AND HAVE SUFFERED GREATLY OVER THE PAST 2 YEARS DUE TO THE NEGLIGENCE AND IMMORAL NATURE IN WHICH THIS COMPANY CONDUCTS BUSINESS OPERATIONS. I LOCATED A XXXX COMMUNITY ON THEIR WEBSITE, ONLY TO FIND THAT I AM NOT ALONE IN THESE ISSUES IM HAVING WITH XXXX. THERE ARE DOZENS OF FORMER CUSTOMERS STATING THEY HAVE HAD THIS EXACT SAME ISSUE. I JUST RECENTLY GOT THEM TO DELETE A DEBT FROM 2009 THAT WAS FRAUDULENT, AND I REPORTED IT TO THEM YEARS AGO. THE AMOUNT OF TIME IT TAKES THIS COMPANY TO RESOLVE INACCURATE INFORMATION IS RIDICULOUS AND SOMETHING NEEDS TO BE DONE ABOUT IT! THEY LIE ABOUT EVERYTHING, AND I FEEL HIGHLY INSULTED THAT THEY TREAT THEIR CUSTOMERS THIS WAY. IF IT WAS N'T FOR THESE DISHONEST, DEFAMING, AND MALICIOUS ACTS COMITTED AGAINST ME, I WOULD HAVE PERFECT CREDIT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Professional Recovery Management (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Once I became aware of the accounts with Fox Collection, I sent them a request for validation letter requesting documentation and at this point they have failed to send documentation to support that request. Not only did they fail to send requested information they have violated the FDCPA in which they continue to report an account that has not been validated. They continue to verify this account with the credit bureaus also though they have fail to validate the debt. Both which are violations of the FDCPA. 

I have been in contact with XXXX XXXX at this company to no avail to try to get this issue resolved prior to filing this complaint however he fails to acknowledge the violation and come to a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is my second complaint against this collection company. The response from the first complaint was totally false and inaccurate. To follow proper procedures, I sent a certified letter to them requesting validation of what is reporting on my account. Mid-Michigan Credit Bureau failed to retrieve and receive the mail. Tracking information is provided in the attached. This in a direct violation to : FDCPA section 809 ( a ) VALIDATION OF DEBTS, states : A debt collector shall send the consumer a written " Notice of Debt '' letter containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
This account should be removed immediately or legal action has to be taken.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently received a statement from the IRS claiming I suddenly had a {$900.00} tax bill from XXXX. The year I 'm writing this statement is XXXX. Apparently, Credit Acceptance filed a XXXX for an account I may have had 15 years ago. I 'm not really sure when I had an account but I know for a fact that I have n't had an account with this company within the last 7 years. I am in the process of buying a home ( timing could n't be more perfect ) and I 've been monitoring my credit for the last 5 years to qualify for a mortgage. Therefore this claim would have shown up. 

Credit Acceptance claimed over {$3800.00} of my debt was forgiven. Thus leaving me with more income than originally stated, creating a {$900.00} tax bill. These types of bogus accounting tactics should be removed from our court systems.. I have faith the IRS will investigate the legitimacy of the false claim, however Credit Acceptance 's financial records need to be reviewed with a fine tooth comb. 

If anyone reading this has suffered the same fate, you can file a XXXX complaint ( XXXX 'Form XXXX ' ) with the IRS and maybe everything will work out ....

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 02/21/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: I have tried unsuccessfully several times to get my mortgage loan company to remove the monthly insurance premium ( MIP ). My FHA loan was initiated before 2013 and been in effect over 5 years. I have a loan balance that is less than 78 % of the original and only appraisal value. 

The company, Mr Cooper ( nationstar ) has an incorrect appraisal value in their file and refuses to accept the only appraisal ever done. 

I want the MIP billing to stop and a refund made for the months where the MIP should have stopped. 
Original home appraisal = {$150000.00} current balance = {$110000.00} loan to appraisal = 77 %

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants Inc. is reporting to the credit bureaus that I owe for an unverified debt that I 'm not responsible for. This debt does not belong to me and has created stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter in the mail stating I owe Army & Air Force Exchange SVC the collection company is XXXX XXXX XXXX a balance of {$1400.00}. I have filed a police report and have disputed charges and sent documents to them showing I am a victim of identity theft. However, because payments have been made to Army & Air Exchange SVC for this account. They say I owe the balance. I have never made any payments to Army & Air Exchange SVC. I have not received a card from them or benefit from this card. I have sent another dispute letter. I recently received another collection trying to collect the balance a couple of weeks after I sent my dispute letter out again to them.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Repayment plans are ridiculous unreasonable! Also fees change so much I have no clue what exactly is the correct amount I owe anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am able to get al my credit reports and information except Equifax. They say they are unable to recognize my social security number and have given me a lot of incorrect information. 
They won't assist me in fixing despite me explaining I've had 2 credit cards reporting my payments to them and having a 3 year old SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA).
Issue: Fraud or scam

Complaint: Went to pay for a car using MoneyGram. I was to send {$1400.00} to an XXXX XXXX XXXX and according to the XXXX XXXX XXXX XXXX ID # XXXX email I was to call when I finished filling out the MoneyGram transfer form for further instruction. Once the payment was complete, I was to call them back again. Needless to say they received my funds on Friday, XXXX XXXX, 2016 XXXX CST ( XXXX XXXX, OK ) and the car that was suppose to be delivered on XXXX XXXX, 2016 did not arrive. I emailed the XXXX parties this morning and actually received emails explaining I have to send another {$1000.00} for insurance purposes. I explained I no longer want the car and said I would appreciate a refund via a MoneyGram transfer since it has not been 72 hours. I am still pending an answer. Further, I started looking up addresses, emails and the phone number realizing the emails have been used for a couple of years on this XXXX car scam. I already called MoneyGram this morning and they said I should have called within 30 minutes of making the transfer. I said the car was n't going to be delivered until yesterday. So how was I suppose to know to cancel? I gave MoneyGram the reference number and they said the money was received. Sorry that is all we can do. The MoneyGram was sent through WalMart and there is nothing anyone can do to refund the money. This is a true scam and thousands of people have had their money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with State Collection Service, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Found a medical bill collections on my credit report, Sent to collections by XXXX XXXX it was not for me and nor was I responsible for any bill outstanding with them. They placed a bill in my name and sent the bills to an address I had 8 years ago, even though I was a current patient who had an account with current info on it. It was not my bill, it was someone else 's services and I never received a bill, nor statement it was in collections. I have been trying for over 3 months to get it off my credit report and getting the run around from XXXX, State Collections Agency and Equifax. I had wanted to refinance my home, and this is causing months and months of delay and a financial nightmare. Not XXXX of them claim responsibility, but all state it should not be on there ... .They guaranteed me it would be resolved in XX/XX/2016 it has not. XXXX acknowledged the bill was not mine but refuse to provide me with a letter stating that they billed me in error, sent it to a wrong address and admit they made a mistake. The collections agency states they sent notice to the credit bureaus for removal, but it is not removed. XXXX states it is the collections fault, the collections agency states it is Equifax 's fault ... but no one corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with AAS Debt Recovery Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Continues to attempt to collect debt. Refuses to allow proper validation of debt. When trying to dispute they have an auto message that populates which means they are not even looking into my information. Stated payment arrangement was made, I requested recording of such arrangement be sent to CFPB and BBB as well as myself of date that payment arrangement was made. They stated sent certified letter asked them who signed letter as it was not myself. I want signature sent to CFPB. I want original documents and signatures made from myself binding me to a contract with AAS Debt Recovery Inc, as no contract exists to my knowledge. I 'm a XXXX veteran and getting taken advantage of by this debt collection agency who do n't even care enough to hear my disputes. So glad to have fought for someone 's freedom to rip off and misrepresent to others so your welcome for that freedom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we were making trial modification payments with XXXX ( {$710.00} # XXXX ). We were approved in XX/XX/XXXX for the permanent mod as we only have XXXX income. The final papers were signed notarized and sent back to XXXX. XX/XX/XXXX the loan went to a new servicer SETERUS ( # XXXX ). Since then I have XXXX documented calls since XXXX trying to straighten out the modification with SETERUS, they are stating my payment is {$1000.00} which was before the modification. We have faxed, emailed and uploaded the documents to them XXXX times, out of the XXXX calls half of the representatives said they have to accept the agreement and the others said they did n't. On at least XXXX calls the representatives told us they were reaching out to the loss and mitigation department with another email asking that the modification be accepted. We also had to explain the situation on all XXXX calls, each representative assured us there would n't be an issue they have accepted all payments of {$710.00} that I have sent and now we have received a letter threatening foreclosure and still do n't have an answer. My last call was XXXX and they sent another email to the loss and mitigation department and when we asked what department we were speaking too they said it was mitigations. I 'm sure all calls are recorded if you need them. We have spoken to XXXX, XXXX XXXX and XXXX XXXX just to name a few. If you could please assist it has been three months we have been calling them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). We are very frustrated and now they are threatening to take our home and I have been ill unable to work and this added pressure is overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: i send money to my brother tru moneygram and have benn a week and he tell me the agency in XXXX dosent have a transaction wiht the nomber i give to him and moneygram tell me they cant give me my money back until he contat they and he already do it, these sound to me like a fruad

Company response to consumer: Closed with explanation