milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian 's " online disputing '' does not work. It begins by asking questions about credit accounts that are not mine. I answered " none of the above '', then it tells me I am an imposter and request a photocopy of my driver 's license.

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 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am paying for my online credit report thru Transunion and have so for over 2 years now. My online report should show a credit score of at least XXXX by this time.. All accounts are paid for and I have never been late on a payment. I APPLIED for credit and was rejected based on my score ... Online report that I 'm paying for shows XXXX ... They tell the person I am trying to get credit with is a XXXX. Why am I paying for this if its wrong? This is a scam..I want my score to be where it belongs.. back at XXXX..And report it that way..I am paying for something I am not getting!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the XXXX 's I received a letter that it was paid in full. However now Midland Credit Management is now calling me after I sent them this information and then called them about this are calling me non-stop at least XXXX to XXXX times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX and transunion credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have some inquiries on my report that I did not authorize. 
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX

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 12-01-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Privacy

Complaint: I went online to sign up for a Chase Freedom credit card. During the process I was asked if I would like any additional cards on my account. I said " yes '' - and requested an additional card for my daughter ( to use in case of emergency ). I received the cards then my daughter comes to me shortly thereafter and said that her credit score dropped almost XXXX points due to this Chase credit card. I was not sure how this could happen, as they did not have her permission, nor her social security number. I called Chase. They were not helpful and just said that it 's part of their process and it 's on their website that any other user 's information will be used. So I went back to the website and printed off the documentation - and did NOT find such info. Chase also put me through to the credit bureau they use ( I do n't recall which but seems maybe like XXXX ). I asked how they obtained my daughter 's permission and SS number to run her credit. They proceeded to tell me that they matched her name with my address and located her information in their database. Needless to say, this appears to be a privacy issue, at the very least. My daughter is trying to buy a home in the next year, and this does not help her FICO score! With Chase nor the credit bureau willing to help, I feel my only option is to file this complaint with your agency. This is a privacy issue and I can not fathom how Chase would legally be able to run her credit - without my daughter 's permission.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBE has been trying to collect a debt that they have not been able to shows as a valid debt. The debt is from XXXX XXXX XXXX, and I have asked repeatedly for what the debt was for. CBE repeatedly has sent a old statement from XXXX with no detail explaining the charge. I was not living in the property where the charge occurred at the time of the charge, and I truly doubt the charge is valid. CBE has made XXXX previous attempts to collect this amount over the last 3 years has never been able to produce the details of the charge - the charges are considered invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: To whom it may concern, My name is XXXX XXXX and on XX/XX/XXXX, I agreed to a loan modification agreement. A payment was made on that same day, to finalize the deal. However Quicken loans decided to report to ALL three credit bureau that I was late with my mortgage payment for XX/XX/XXXX. This is not true because I have a bank statement that shows I made a payment on the XX/XX/XXXX and it was taken out of my bank account on XX/XX/XXXX. I have reached out to quicken loans and showed them my proof ; however, they do n't want to change it. So I am requesting that CFPB, to intervene and assist me in having Quicken loans remove that negative remark from my credit report so I can refinance my property. Unfortunately I can not refinance my property because under NEW federal banking law a mortgage holder can not refinance his or her property until a one year has passed from the date of the late payment has passed. My mortgage payment is due on the XXXX of every month. XX/XX/XXXX was XXXX XXXX XXXX 's birthday and the banks where closed, but XXXX XXXX XXXX was aware of that holiday and they said the payment will be taken out of my account with no problems and they would not penalize me because it was a holiday. Plus you can request the phone records of the phone call that day between quicken loans and me, to prove my statement is true. I will be looking forward to your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (FHA mortgage) with SOUTHEAST MORTGAGE OF GA INC (GA).
Issue: Closing on a mortgage

Complaint: I started a mortgage loan on XX/XX/XXXX with a company SouthEast mortgage. It started as a USDA loan they preapproved me on. Well after some time they contact me and say the house is too much for the USDA loan I needed to get the FHA loan and qualify for the GA dream loan for the down payment. XX/XX/XXXX I worked for myself and have filed for a tax extension. Which they have known about since they asked for my XX/XX/XXXX XXXX in the beginning. They said it will be fine most likely after the underwriter reviews it before conditional approval. Some more time goes by and turns out I did not qualify for GA dream like they said I did because of the XX/XX/XXXX tax extension which they already knew about but I guess forgot. I was told to get an appraisal to make sure the house was going to appraise for the sellers asking price. I did so because they kept telling me all my paperwork was pretty much good so far including the XX/XX/XXXX tax extension and my self employment of that year. So we get conditionally approved for the FHA loan and everything we sent over ( after explaining to them at least 3 times in e-mail and even more times over the phone had to remind the mortgage agent that I did not have XX/XX/XXXX XXXX or returns for them at this point ) and they just wanted a few more documents and explanations which I delivered to them. XX/XX/XXXX comes around we have already paid the inspection now and my mortgage agent stated " the underwriter has approved everything '' when I asked about buying home insurance but was concerned if the underwriter was going to deny me because of the taxes ( since they kept asking for it no matter how many times I explained it to them it seemed ) after I bought insurance. So after being told my XX/XX/XXXX taxes were approved long before conditionally approved than being re-assured everything was approved and ready for closing on XX/XX/XXXX they got behind somehow we found out XX/XX/XXXX that we were not going to be closing cause they got behind and had to file for an 8 day extension. Later on in the evening I get a call saying the underwriter has decided to deny my loan because of my XX/XX/XXXX taxes and work year. Something I was told was okay since XX/XX/XXXX something they have known about for so long it took them until 3 days before closing to deny me based on information that never changed and they had access to review since XX/XX/XXXX. With this sudden change of heart by them I had already bought the appraisal and inspection and lost my earnest check. Not to mention I gave up the lease at my apartment so at the end of this month my girlfriend and newborn daughter and I will have no where to go because of this on top of them keeping all my money. The amount of XXXX XXXX and XXXX this mortgage company has caused my family with their lies and theft is unbearable with my current situation. Please help me I followed through on my due diligence gave them all the info they asked for and they scammed me.

Company response to consumer: Untimely response
Consumer complaint received 04/30/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX   XXXX  University has taken last year and this year state tax refund of  XXXX  and  XXXX  for paying amount of  $ 1,000.00+. B ecause I called them couple of years ago to let them know that I can pay them at least {$50.00} a month. But they brought me to collections in which I wrote them a letter explaining my situation. And then I did not hear from the collections people at all. And then I received a notice that my state refund went to  XXXX   XXXX  University. I did not receive any notice or letter from  XXXX   XXXX  University that they were going to take money from me!!   Also I was charged an extra fee for collections services!! That is why I have to pay over {$1000.00} for the amount!! I have spoken to  XXXX   XXXX  University about taking my {$600.00} refund this year and they sent me by ema il 5 lette rs that I did not receive. What happen to collections helping with paying the amount? How much do I still owe  XXXX   XXXX  University?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Phoenix financial services has been in constant contact with me accusing me of owing a debt to them and their client. I have disputed the account stating I have no knowledge of debt they claim is owed. I hav e asked for written validation from this company and have not received anything with my original signature or a contract stating that I am the person obligated to pay debt. Company claims that they have " confirmed " debt with its client, but has not provided documentation. How was this debt validated? Where is the signature? Where is the documents? This company claims they will report to credit bureaus but this is against the law because I have not received proof of accounts. I am not or never have been associated with the telephone number listed on this letter and this company has violated my rights by being in possession of medical diagnosis codes! I have been informed by my attorney that this is illegal and against the law. If this company proceeds to report these accounts without validation I will proceed to file suit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My mom signed me up for XXXX XX/XX/2012 I went for 13 months I never failed a class I was terminated from school because my mom did n't want to provide her XXXX I was left with this big loan XXXX salie mae left me and messed my credit up at age XXXX last year they took my tax return XXXX $ w not payment arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current XXXX financing statement, which should compel them by law to erase any  delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if XXXX continues to evade receiving my documents. 
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 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I originally submitted a complaint concerning Experian on XXXX 2015 concerning an account that was previously deleted, then sold to another collection agency and Experian was the only to place back on my credit. They have not provided final resolution. Since then have dropped my score XXXX points on XXXX/XXXX/15 for my XXXX account credit limit increasing from XXXX to XXXX. No not me using the balance, but the limit increasing? Then here recently XXXX/XXXX/15 I was notified my XXXX that my score reduced again my XXXX points due to me paying down a credit card owned by XXXX by {$100.00}. This makes absolutely no sense. My scores with the other CRAs are XXXX - XXXX and XXXX XXXX XXXX . My score with Experian shows XXXX. It is always between XXXX points lower???? 
I have placed at least a XXXX complaints with them of the last two years for several items that they erroneously report. I am sick and tired of there incompetency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I received communication from equifax giving me a number to call or a website to contact to limit sharing of some of my personal information. The website links were outdated apparently as I could not access the link to opt out of sharing. I made several phone calls to the number given in the communication and was told a menu would prompt me thru the choices. My only choice was to wait for a rep and got a message stating that the hold time was extremely long at this time. I have been able to easily limit sharing thru communications sent to me by banks etc. over the phone very quickly. What gives with XXXX? It seems I must now mail the info in and hope that they follow my instruction. This is not acceptable to me as I have no way to verify that my wished have been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a company ENHANCED RECOVERY CO L is reporting a Balance {$1900.00} I have NO CONTRACT with this company and or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Keith D. Weiner & Associates Co., L.P.A. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a collection account with XXXX XXXX University, for tuition owed for classes they claim I did not formally withdraw from in time during XX/XX/XXXX. The amount of this debt showing on my XXXX XXXX credit report is {$1700.00}, as reported directly by XXXX XXXX University, on XX/XX/XXXX. 

The law firm now handling the collection, Keith D. Weiner & Assoc. Co. LPA , is claiming I owe over {$2700.00}, due to " collection costs. '' They claim the initial balance with XXXX XXXX University was {$1600.00}. 

I disputed their claimed balance amount with them, based on the balance amount XXXX XXXX is reporting to XXXX XXXX. 

A representative for Keith D. Weiner & Assoc. Co. LPA , using the alias " XXXX XXXX '' ( XXXX ext. XXXX ) said his firm will just " file a summons, '' " get a judgment, '' and " garnish my wages when I do get a job '' per our telephone conversation on Monday, XX/XX/XXXX at XXXX EST. 

Prior to this, he made similar threats, such as on Friday, XXXX XXXX at XXXX. 
Prior to even attempting to call my personal phone, XXXX XXXX called my part-time employer on XX/XX/XXXX at approximately XXXX, and spoke to the owner of the company. 

On the same day, XX/XX/XXXX, XXXX XXXX called my personal phone at XXXX. 

The amount Keith D. Weiner & Assoc. Co. LPA , claim I owe has now been inflated by 65 % ( {$2700.00} vs. {$1600.00} ). 

The collection tactics they are using and their inflated amount they claim I owe, may be in violation of Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: As of the end of this summer, I will have been a graduate student at XXXX University in XXXX, Georgia. I have applied for a SallieMae loan most of the semesters that I have been attending there, and every time that I have, SallieMae has approved my loan without any strings attached. But suddenly, and for the first time, they are requiring me to get a cosigner to acquire a loan. There is nothing in my credit history over the last half year that would even suggest that I have suddenly failed to meet the standards required to receive a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation