milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am no longer in school and paying a student loan from XXXX XXXX which is now known as Navient. They are providing incorrect information on my credit report which is leaving me in limbo from purchasing my XXXX home. I agreed to their terms of payment and paid on time. I have asked for documentation regarding the loan and updating my report. They said they will not provide any information. This issue is only on XXXX credit report and I need help getting it resolved. I submitted a dispute with XXXX and am waiting to here from them. Is there anything legally to do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XXXX XXXX, 2015, I contacted the toll-free number for TransUnion Online Personal Credit Service to complain that the service was merely a front to sell me more products and did not provide me with a credit report as advertised when I signed up. The number XXXX was answered by someone CLEARLY not in the US. The Operator refused to tell me where they were located and when I asked to be transferred to a call center in the US, was told I would need to provide all of my personal info. I will not provide that info to an off-shore service. 

After XXXX calls and XXXX VERY RUDE refusals, I have decided to take this route in hopes of having people understand this joke of a service. I want this service cancelled, any money charged me returned and people warned as to what a clear waste of time this product pushing service is for the average consumer. 

How can the division of TransUnion that provides credit reports through the mail transfer me to a US call center, but another division so thoroughly waste my time and degrade what little reputation your company already has '' Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (WA).
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 have been trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began. 

I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX. 

I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist. 

I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I am resending this complaint due to the fact that some of the data provided was invalid and incorrect of my payments. I made my last payment and received no refunded check from this bank for the payment. I was not told at the store that I had 30 day period to close this card I was neither given documentation. I mainly closed the card because I was unable to use it at other stores which also was not told to me so its just false advertising and marketing. I am reporting this again because I would like the documentation for all the claims reported because I have never received any refund check from the company. I actually paid more than {$76.00} that was shown in the closed complaint statement. I am looking towards taking it into further matters if I can not get proof or this problem resolved and removed from my credit report. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( 1 ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with one response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.

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 02/14/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXXXXXX XXXX XXXX XXXX REFERENCE Ocwen Response to CFPB On Friday, XXXX XXXX, 2016 XXXX XXXX , Consumer Financial Protection Bureau XXXXXXXX wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 
Case number : XXXX Status In progress Response Ocwen is currently researching the matter and will provide a response within the allotted timeframe. 

Case number : XXXX The response to Case number : XXXX by Ocwen Loan Servicing , LLC, [ " still working on your issue, and you should hear from them again within 60 days '' ] on a lawfully rescinded mortgage and specifically denied Loan Number : XXXX, and Account Number : XXXX has been to XXXX XXXX XXXX in the following correspondence : XXXX XXXX, 2016 A Trial Modification Mortgage Statement for a lawfully rescinded mortgage A Trial Modification Mortgage Statement for a specifically denied Account Number : XXXX PDF attached XXXX XXXX, 2016 A non verified statement claiming that XXXX XXXX XXXX had submitted application for assistance on specifically denied Loan Number : XXXX A Appraisal created by XXXX PDF attached XXXX XXXX, 2016 A Delinquency Notice for six payments on a lawfully rescinded mortgage A Delinquency Notice for six payments on specifically denied Loan Number : XXXX PDF attached XXXX XXXX, 2016 Notice of initialization of FORCED PLACE INSURANCE on specifically denied Loan Number : XXXXon Lawfully owned property of XXXX XXXX PDF attached

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from   XXXX   2017 to present showing on-time monthly payments.

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 01/28/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Unauthorized hard inquiry to my credit report by EQUIFAX MORTGAGE SERVICE on XXXX XXXX 2017. 
I did not apply for any mortgage loans and was out of the country at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On Tuesday  XX/XX/XXXX at  XXXX  two transactions in the amount of {$2600.00} were attempted to be used at a convenience store in New jersey . Citibank contacted me after the second transaction and that was declined due to the report. They then called me to verify if I had the card in my possession I stated no, and they shut down that card. I asked for a provisional credit which they processed and filed my report with them. They also asked me if I was willing to file a police report if needed. I agreed.
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On  XX/XX/XXXX  I was informed that they found that the transaction was in my normal shopping behavior ( it was not ) and therefore they denied the claim. I requested to reopen the case by ways of an appeal, they said they would reopen the case but they would not credit my account.
<P/>
I then got the following items a police report and a letter from my employer and submitted it to them on  XX/XX/XXXX  stating that this was a fraud transaction and also that I was in another state at the time of the alleged purchase. I was informed on XX/XX/XXXX  that they have not yet reopened the case.
<P/>
Citibank has since sent me 4 letters electronically that they have resolved my problem but nothing has yet been resolved.
I also provided Citibank with the detectives phone number, case number and informed them that they have CCTV footage from the theft that proves it is not me.

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 09/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  charged off this account back in    2010  and re ages this account to show a negative account on my transunion report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with transunion and   XXXX    and neither are reporting properly.  XXXX  continues to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.

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 04/23/2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Taking out the loan or lease

Complaint: i bought a motor vehicle from drive time in Florida, paid my loan for XXXX years paid my car off in XX/XX/XXXX, i did pay high interest for this motor vehicle, but that was OK because i saw that it would help my credit, which it did, in XX/XX/XXXX they removed the loan that i paid off of my credit reports XXXX of my reports that is, i asked them why they said they were updating there info and it would be back on my reports in XXXX days, i called them today XX/XX/XXXX and advised them that its not on there and i was being asked to pay higher interest from other banks because i had no qualifying accounts on my credit ... they said they can not and will not correct my reports and there was nothing they could do,,, so i feel like i wasted XXXX years of my life paying more money for something to build my credit and do n't have any resolve ... please help me i feel like i have been robed by a XXXX dollar company that does not care ... i should not have to be turned away ore pay more because of there short comings .... they took the interest on my car but did not want to deliver on what was promised when i bought the car ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: False information on my credit report regarding the original amount of the loan, the time reported to agency as a late payment. Inaccurate amounts monthly payment amounts. Reported to credit bureau as late after the account was paid in full. The account was paid in full as of XX/XX/XXXX. However, they never sent the car title, when I called them in XX/XX/XXXX, they told me there were fees owed on the account that were from the beginning of the loan in XX/XX/XXXX. I immediately XXXX the misc. fees, I have my receipt of the XXXX sent. They had never contacted me regarding those fees, the only way I discovered the fees was when I never received my car title. As matter of fact they claimed they sent my car title XX/XX/XXXX, they never did and want me to send money to another agency to pay for a car title, that they never sent. The company is deceptive in their practices. I have contacted them on several occasions and they sent me from one department to another and to voice mails. I have disputed this with all credit bureaus and will keep disputing it. Additionally, the original monthly payment was not, {$220.00} for 54 months. The car note was reduced to {$220.00} after I became unemployed and after two years of struggling to pay the note. One agent finally looked at the file and put me in a program to assist me, had they done that from the time of unemployment it would not have taken me seven years to pay it off. However, they are not reporting that, The last car note was paid on XX/XX/XXXX. All information of reporting is inaccurate. Santander has been deceptive in their practices. I paid on that load from XX/XX/XXXX to XX/XX/XXXX. They reported me to credit bureau for misc fees on XX/XX/XXXX as the date of my first delinquency and the account was closed XX/XX/XXXX. They reported to the credit bureau a late payment for the fees I never knew were on the account, after I PAID MY LAST CAR NOTE XX/XX/XXXX. As I stated the only reason, I discovered the fees was because I never received my car title and called them, XX/XX/XXXX, found OUT ABOUT THE FEES AND IMMEDIATELY PAID THEM. I have the copies of my transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Making/receiving payments, sending money

Complaint: I have more than XXXX checking account at US Bank. XXXX account ( call it A ) was opened originally to exclusively receive social security payments for a minor child, but those payments had ended. To pay bills I use my personal checking account ( call it B ), for which I was running low on pre-printed checks. But I had a full box of checks pre-printed for A. XXXX took XXXX checks that were pre-printed with the account number for A, crossed out the account number, initialed the deletion, and wrote in the account number for B. XXXX used these checks to pay XXXX utility bills. The bank, however, treated the checks as being drawn on A and charged me fees for " insufficient funds, '' since there were only a few dollars left in the account. I want to contest the bank 's authority to interpret the checks in contradiction to their clearly expressed intent. I will probably be charged " returned check '' fees by the utility companies as well, causing me to be out-of pocket about {$100.00}.

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Collection Connection (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A company called collection connection just sent me a letter demanding payment in full within 10 days or they claim will they turn it over to an attorney in my city. I do not owe this debt. I paid the XXXX in cash when I withdrew. They have never validated this debt. I have disputed this account on all XXXX bureaus to no avail. Not only are they threating to sue me on an account I do not owe, not validated, but its also after the PA statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. I have disputed to Experian and XXXX. 
But they do n't give me result of the investigation.

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 01-03-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today XXXX/XXXX/2018 at XXXX i was contacted by an individual who was asking for me. When questioned as to who they were and the company they represented, I was left with no answer, just asking if i was the person they were looking for. I stated that they are not to call back because I do not owe anyone any money. The individual said " thats ok we will just call back another time '' and hung up. 
When I attempted to call the number back on the caller ID " Portfolio Recovery '' the system message was that the number I had dialed was no longer in service. 

I have noted at least 2 major violations of the FDCPA just in that one phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with SRA Associates, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Multiple aggressive calls. Misrepresentation that written information about debt had been mailed as requested. Repeated request to fax personal information over even after refusal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: When I pulled my TransUnion credit report there is my name on it but there is also XXXX, XXXX, XXXX. I do not know who this person is nor have I ever used this name.

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