milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom  it may co ncern, Navient reported my account as  90 to180 past due which is inaccurate information. I have been on a repayment plan with nav ient for years now and was advised any late payments would be removed. Please update my credit reports reflecting this nevative information.   XXXX  Account #  XXXX  Dates :   XX/XX/XXXX  &  XX/XX/XXXX  -  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was initially laid off from my job of 11 years fellbehind in my payments from XX/XX/XXXX to present. ReqRequested a modification back in XX/XX/XXXX did not rreceive any information from loan servicer XX/XX/XXXX. I had to submit modification XXXX timesuntil representative acknowledge they were theyon XX/XX/XXXX. Then only to be told was n't there afterspeaking to different representative. This went onfor several mos. Always speaking to someonedifferent with conflicting information so I had tosubmit XXXX more time after that. My information wasmixed up with another individual and held up filefrom moving forward to next step. Had to send paystub XXXX times. Tax information was sent fax XXXXtimes to a bad fax number and email XXXX times. 
Lastly after all this just recently told mymodification application was submitted onold forms which they provided to me and Ineed to resubmit on new one this was XX/XX/XXXX I have not reached my selldate XX/XX/XXXX which I believe this was alldeliberate to steal my property withoutgiving me a fair chance to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (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 an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Innovative Collections, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit profile with all the credit bureaus and discovered that a parking ticket from XXXX was on my report and had been turned over to a collection agency called Innovative Collection services. At this point I knew I had never been to XXXX and it was not a car that I own. The license plate and the model of car is not owned by me. I then sent Innovative Collection Services a certified letter requesting verification of this debt that was entered on my credit profile. I received a response from the collection agency way pass the 30 days required to respond. I finally received a collection letter ( see attached ) stating that this does n't apply to the fair Debt Collection act because this is a fine. How crazy when they are stating they are collecting a debt. Please assist and have this bogus company remove this unknown debt off my credit profile immediately.

Company response to consumer: Untimely response
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, when I open new checking account ( account # XXXX ) with BankoftheWest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX ), the manager promised me ( he wrote a little note that 'deposit {$250.00} by XXXX XXXX, 2016 " on the promotion letter. 
Note : * The banker also wrote a note that I will get {$250.00} by XXXX XXXX, 2016 if I deposit {$15000.00}. 
* I also told them I got bonus last year already. 
But XXXX XXXX, I still do not get bonus {$250.00}.

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 monetary relief
Consumer complaint received 09-06-2017 about Vehicle loan or lease (Loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: State employee credit union. Was supposed to automatically take a payment of {$230.00} on XX/XX/XXXX they draft the payment for my car note before my check is even deposited into my account. I was notified earlier in the month of XX/XX/XXXX regarding a separate account that I had to make a payment on. I was not notified until XX/XX/XXXX regarding my car payment was late. So when the rep XXXX from the XXXX XXXX brands I advised him as to why I was being notified so late when someone from the credit union called me the first day my salary advance was 1 DAY PAST DUE. I advised XXXX there was no reason as to why a payment wasnt automatically drafted out of my account. There was enough money deposited into my checking account fro cover the payment. And the payment was deliberately not paid due to my recent complaints on the credit union my car was in a minor accident on XX/XX/XXXX which it has been at XXXX XXXX from that date till today. And each month I was making a car payment. I advised XXXX that I was not expecting a paycheck the end of XX/XX/XXXX and would have to make a double payment on XX/XX/XXXX. A few days ago I get a letter in the mail saying my car will be repossessed if a payment is not made in 10 days from the date given in XX/XX/XXXX. I have already sent this information over to my lawyer. The credit union is deliberately retaliating at me because of my numerous complaints. XXXX could not give me any reasonable explanation as to why a payment wasnt made. From the time Ive had that car til now all of my payments has been automatically drafted from my checkings account. I demand answers as to why a payment wasnt drafted out and why was I notified 7 days before the end of XX/XX/XXXX. Why  wasnt I notified when the payment was 5 days past due?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/XXXX I returned a call to a number that I did n't know and the lady identified herself as an agent for " Commonwealth '' ( XXXX ). The lady had some of my information and some old information. She stated that I owed on a debt and that I had 72 hours in order to either make some kind of settlement or pay a large amount or they would start the procedures to garnish my wages. I asked her for something in writing verifying this loan was mine. She told me that she could not and would not do this because I only had 72 hours to resolve this or they would garnish my wages and issue liens. I told her that I knew my rights and that they must provide me with some sort of verification and I had 30 days to either verify or dispute. I gave her my current address so that she could sent me verification. She started arguing with me and said that she would n't send me anything and that the case would be sent to litigation. I called back several times, was told that the case was flagged for litigation, trying to see what the name of the company was that they said I owed. On the XXXX call I was transferred to someone I think they said was a manager and he told me it was a debt from XXXX and gave me the name of the credit card. First he offered me a payment plan to hold the account for a little over {$1000.00} by Wednesday XXXX XXXX/XXXX/XXXX XXXX and then when I told him I could n't he said he would give me to Friday ( XXXX/XXXX/XXXX ) and we hung up. Thinking this was some kind of phishing scam I looked them up on the internet and have found several people who have gotten the exact same speech and that if you call back you get a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Federal student loan debt) with Windham Professionals, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a letter from Windham Professionals stating that they were licensed to collect debts in Minnesota and that they were seeking to collect a debt from the XXXX XXXX XXXX. The amount listed for collection in their letter was nearly 3x the amount which the Federal Government states that I owe. The StudentLoans.gov website lists this debt as {$1300.00}. Windham Professionals is attempting to collect approximately {$3400.00} from me.
When I went to Windham Professionals website ( www.windhampros.com ) I found that their online payment portal is nonfunctional ( https : //www.windhampros.com/makeapayment/ ) and only contains a redirect link offsite to the Dept. of Education. The redirect link directs to a dead webpage at the Dept. of Education. This dead link to the Dept. of Education is used throughout Windham 's website in lieu of actually providing information about customer 's loans. When I searched for Windham Professionals on the BBB.org they return an unusually high number of consumer complaints. Therefor I decided that to protect myself I needed to ensure that Windham Professionals is a legitimate servicer of my debt.
Having worked as a bill collector in the past I knew the process for this and sent them a letter on XX/XX/XXXXrequesting that they prove that the debt is legitimate, that they are authorized to collect it and proof that the amount they were attempting to collect is valid. I am legally entitled to this information per the FDCPA and stated so in the letter. Furthermore under the FDCPA they are required to cease collections attempts until they have provided me with this information. As of today XX/XX/XXXX I have still not received any documentation from Windham Professionals regarding this debt. They have continued to make attempts to contact me by calling me at two phone numbers and over social media at my XXXX account. They have violated the FDCPA in the following ways : 1. They have not responded to my Dispute letter in writing.
2. They have continued to make collections attempts after receiving my dispute letter.
3. They have provided no documentation regarding this debt.

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 05/16/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I have an account with Care credit been paying {$100.00} every month, I finaly owed {$300.00} and was going to pay it all off when i looked in my account care credit charged me {$250.00} interest rate!!! How is that even legal!!!! This company needs to be shut down!!! I was never explained that a 95 % apr was going to be charged after certain month period this is a scam and rip off company, and you cant even talk to a live person over the phone. Dont ever apply for care credit!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX Date XX/XX/18 Address Issues Experian keeps adding XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Address identification Number XXXX is wrong I have provide time after time proof of the right address. 
Address Identification Number XXXX is wrong as well Experian added another same address to my credit report XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on Report # XXXX The report # XXXX Date XX/XX/18 does not have 3 address for XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian keeps adding or delete on thing and then add it on another report. Time after time.

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 01-05-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage through Wells Fargo on XXXX/XXXX/2016. I gave them all the document that they had requested. They kept asking for the some documents over and over again. They kept saying the file was in underwriters. On XXXX/XXXX/2016, XXXX, the loan office told me that she thought I did not have sufficient income for me to get approval after talking {$440.00} for appraisal fee and {$11.00} for credit check on XXXX 2016. On XXXX/XXXX/2016 I wrote to XXXX to stop the appraisal process because there was no need to appraise the house which I did not qualify. On XXXX? 2016, Wells Fargo went a head and appraised the house against my advice. I filled a complain with the Wells Fargo de-escalation department. They acknowledged the communication for stopping the appraisal as the reason why I did not get the appraisal report. I had told them that I needed my money back. In their finding completed in XXXX, they said they did not see any reason why I should get my money back. I fell I was fleeced by the bank. Please help me recover my money from this terrible 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 explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (VA).
Issue: Managing the loan or lease

Complaint: Chase is reporting inaccurate late payments on my credit which are severely damaging my credit scores. My car was totaled XX/XX/XXXX and since that time, Chase has been servicing my account poorly. 

I am trying to apply for a mortgage but these late payments have set me back drastically because of the hit to my scores. 

Currently, they are reporting that I have been 30 days delinquent on my payments since XX/XX/XXXX. 

The fact that my car was totaled was something beyond my control. After the accident, I was never able to make regular scheduled payments online as this account was marked as special collections. In order to discuss my account, I would be kept on hold for up to 90 minutes at times making it very difficult to get assistance. Each representative I did speak to would tell me that my payments would retroact back to XX/XX/XXXX ( This would be insurance and gap payments ). 

Unfortunately, this never happened as they indicated and each time I called back there were delays ; Delays in paperwork being sent to GAP and insurance. I made the necessary arrangements for my insurance to cover their portion but I have had to mediate this entire process with Chase since the accident. 

A lady from the executive office called me after the first complaint I filed and she told me that she would remove the first late after the retro payments back to XX/XX/XXXX. 

This never happened as stated to me and she never called me back. I also tried to call on my own and the representatives told me it had not been done yet. 

In the meantime, it seems that payments were being applied haphazardly to either interest or principal and they have been reporting me 30 days delinquent since XX/XX/XXXX. I 'm not sure if they were being spiteful because of my previous complaint but on XX/XX/XXXX, they reported me late again and said they would not be able to apply it until XX/XX/XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke with a representative from the following compan y : Portfolio Recovery Associates (  collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor   XXXX    XXXX  ) In regards to a negative account on my credit. The representative told me he would make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX   2017 . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX -Social ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , UT  XXXX  Physical address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Non-federal student loan) with Firstsource Advantage, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. 

After receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. 

Two months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. 

After submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. 

I was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation