milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Credit reporting () with Innovis (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: The options that I took was I believe the closest to the problem that I am having. My problem is that I believe the credit bureau TransUnion has done a criminal act to me. Sometime inXX/XX/XXXXI requested a copy of annual free credit reports from all three bureaus. OnXX/XX/XXXX TransUnion issued me a letter stating that they needed proof of my current mailing address and requested that I send them two documents that show my current mailing address. So I sent them a copy of a cancelled check and a copy of a phone bill. The cancelled check was dated XX/XX/XXXX. Check number was XXXX. The amount of the check was for {$15.00} and made out to XXXX. I also included a check in the amount of {$9.00} made out to TransUnion for my credit score from them. The check number is XXXX. On XX/XX/XXXX I received a check from TransUnion. The check number is XXXX  and they stated that the check that I sent them for the credit score was greater than the cost of the score and that they are enclosing a refund of the overpayment. The amount of their check was for {$5.00}. I did not cash this check. I called them up numerous times wanting to know why the check that I gave them for my score, check number XXXX  for {$9.00} has not been cashed by them. They said that they used the copy of a cancelled check that I gave them to show my proof of address, as the check for the credit score. Check number XXXX   for {$15.00}. Hence why the check from them for {$5.00} was issued to me. I feel they are trying to get me charged with using a copy of a cancelled check to purchase my credit score from them. As mentioned above I used the copy of my cancelled check for {$15.00} to show proof of my address. I included a check for {$9.00}, check number XXXX  for my score. They have this check, I just know it. I feel this is criminal what they have done. I called you on the phone and you were going to send me paper forms of the complaint to fill, so I could attach documents, but you have not. So I'm doing this complaint online. I hope you can look into this asap. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This a medical bill that my health insurance should have paid and after months of arguing with Insurance company and collection I agreed to settle with the collection agency, I have ask them repeatedly to delete entry from the credit agency and they refuse, I am sick and tired of collection agencies acting like they can ruin peoples life, without any consideration, some consumers are used by the medical/Doctors over billing of insurance companies, and insurance companies under paying and leaving large balances 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 06/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My 2 mortgages were transferred to a different mortgage servicer and on both I was informed I was 3 payments behind & over {$8.00}, XXXX in escrow shortages. I am being made to pay p & I & 2 escrow accounts. Needless to say I have fallen behind and now they will not accept my payments. I do not want to lose my home nor the rental home I have which was part of my livelihood, now a liability, can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX which is closed for XXXX. The account is now reporting open on my equifax but closed on my XXXX and XXXX. Equifax is reporting the wrong information and is affecting my credit score and history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medical insurance, XXXX XXXX XXXX XXXX XXXX Illinois, there is an unpaid amount of U {$1500.00} because the bill was never submitted to them. I already tried several times to call the XXXX XXXX XXXX XXXX TEXAS, but they do not take proper measurements to receive the bill from the Medical Insurance instead they sent the bill to a Collection Agency. I and the Insurance already gave the policy number and ID number so the bill can be paid.The Collection Agency was already notified too.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (OK).
Issue: Problems caused by my funds being low

Complaint: I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 years beyond the FCRA Date of Compliance. Under FCRA 609  ( a  ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance a s  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from  XXXX   XXXX   XXXX  and at th at time re -- aged  the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian has refused to Delete addresses that I have never lived at

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 06/16/2017 about Debt collection (Credit card debt) with Sessoms & Rogers, P.A. (NC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  Sessoms and Rogers  of what I owe from credit card from  XXXX  bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  Sessoms and Rogers  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to contact  XXXX . I called  XXXX  to see if could pay them and they told me no too because my account was closed.  Sessom and Rogers  told me they would have to ask  XXXX  for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  Sessoms and Rogers  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with Praxis Financial Solutions, Incorporated (OR).
Issue: Other

Complaint: I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Rabobank NA is hassling me when I call in for help with online banking. 

Today is called my local branch to reset my password was told some very simplistic thing then called the other numbers. Despite trying to reset online and asking for online support I went back home and tried calling again. 

I just get attitude from them. They wo n't help. The girl at me local branch snapped at me. This is some who has been helpful in the past and is suddenly aggressive, not listening, seems very passive aggressive, she is telling me to not raise my voice and they refuse to help me. 

She even said I would n't be able to resolve it at my local branch in XXXX XXXX, CA either. I feel like I wasted my entire morning on these people who are just rude from the get go. They do n't appreciate people and seem to be waiting to set you up with lots of inappropriate questions. The are apprised of account activity and yet I 'm waiting for some help. 

This is very unprofessional and I want to file official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection Services has charged me for an amount that I do not owe. They are collecting on behalf of XXXX for an amount that I absolutely do not owe ( {$1000.00} ). This incorrect amount is listed on my credit reports : XXXX, XXXX and XXXX and it has and continues to compromise my credit worthiness. I reached out to CCS and tried to file a dispute but was unsuccessful. CCS asked that I provide verification that I had coverage after my Auto Insurance Policy with XXXX canceled in order for them to consider adjusting my account. I did submit proof yet nothing has been done to correct the error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, 2015 I contacted XXXX ( XXXX ) for assistance with my mortgage. In coordination with this process, I was required to request loan modification from my mortgage provider Bank of America. XXXX requires the exact same documentation as Bank of America. While XXXX received, evaluated and provided me with a denial of my request based on my income, Bank of America has continually asked for additional documentation, although I have provided everything requested within a XXXX hour window, either by fax or document upload to their website. I would get a call from a " customer relations manager '' requiring XXXX more document. I would immediately provide it ( within XXXX hours ) and then a week would go by and then I would get another e-mail and another call asking for yet another document. Much of the documentation has had to be provided XXXX or XXXX times and still no resolution. Bank of America is now indicating that we wo n't be able to meet a regulatory deadline in order to complete a determination of the loan modification request. As of XXXX XXXX I have had a change in income. I have provided proof of that change, but Bank of America will not accept that documentation until actual receipt of a deposit to my bank account. Actual deposit wo n't occur until outside the XXXX day window Bank of America appears to working under. The fact that a determination has not been made ( up or down ) prior of XXXX XXXX is a tactic to deny me the opportunity to keep my home and have a more manageable mortgage. XXXX made an assessment and provided me with a determination over a XXXX ago. I believe Bank of America to operating in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receive more than 6 calls every day back to back starting at XXXX from multiple numbers

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 12/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX/XXXX/XXXX I finally called the XXXX Collector in what the constant phone calls where about not only to my phone but my parents work and etc. What I finally came to light was Navient put one of my loans in default and was sent to a collection agency. The sad part about it was that Navient did not notify me, no letter, or phone stating that they were going to do so. I am already on a specific payment plan with them and have but all federal accounts into forbearance. So for them to not state that this has happened through me for a great loop because since I was no longer under XXXX XXXX I thought finally Navient would be better to work with and help out ... WRONG was. Now I am dealing with a settlement which is still outrageously high and finding out why i was never informed of this particular loan going into collection

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed this XXXX / XXXX card a few times with Experian. I do fully understand that Experian simply reports what is reported to them. However XXXX has sent me a letter stating they do not have ANY documentation on this account, as it was purchased from someone else and they only have their own spreadsheet with no billing statements as to what was purchased, etc. They admit they have no application or any evidence of any contractual agreement signed by me. Under these circumstances I do not think it is proper to accept XXXX statements that it has verified the account is mine.

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 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient has only offered me forbearance and never a repayment plan, deferment or loan forgiveness. After logging onto their site Navient does n't list the break down of my loans, which college it is, location, amount of the original loan prior to accrued interest and the amount of interest listed of 2.5 percent is n't accurate either. I would have never agreed to forbearance if all of the risks and high interest were explained to me. Also, Navient continuously stated to me that my income was to high to qualify for anything else other than forbearance before taxes I make XXXX and after tax XXXX. In addition, I have serious health condition that I disclosed to Navient due to my high medical debt from being hospitalized several times, this was to no concern to them they simply ignored it and kept pressing forbearance. In addition, Navient sent me a paper statement just recently when I originally asked for electronic. Lastly, I work for the XXXX and was n't informed I may qualify for loan forgiveness either partially or full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Consumer Loan (Installment loan) with EXPERT GLOBAL SOLUTIONS, INC. (IL).
Issue: Managing the loan or lease

Complaint: On XXXX, 2016, I obtained a consumer form XXXX which is being serviced by System & Services Technologies Inc ( SST ). I am unable to obtain any monthly statements that will indicate payments made toward this loan. Their website only provides basic info, such as : date & amount of loan and monthly due date for payments. Why is this company obligated to provide regular statements to it 's customers?

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (LA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On multiple occasions I contacted netspend about activating a prepaid card I had purchased and on the 2nd day when the customer service hours were activated I spoke with multiple rep 's and managers and was made aware of another card that had been activated without my consent. During these phone calls I told the representatives that I had active at this time fraud alerts on all my information and public reports and why didnt they follow such guidelines laid out in the reports or contact myself on the phone number placed in the alert. I was given no direct answer to these questions and when asked if I needed to send a fraud affidavit over I was told no no no and no until the 4th day on a Saturday that I needed to. I had spoken with a manager the night before who stated she submitted a request and it wouild be processed on Saturday the next day to unlock the card and once again no, no fraud affadavit would be needed. Saturday came and I spoke with XXXX who stated there was nothing anyone at that time could do and she would be submitted a fraud claim against the other card that was preventing this one from being activated. I asked why couldn't I activate this one without any online features and she stated once again no, I wanted to do this so atleast I could have availability to the funds. XXXX was of no help and offfered no solution.

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 11/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/2015, I contacted Experian concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Experian aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Experian had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Experian has ( 1 ) refused to make the violators prove that they had permissible purpose, ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators, and ( 3 ) claimed that my request for corrections and accuracies to my credit report were suspicious ( see attached ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.

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