milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXXwas {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between Transunion and XXXX on XXXX XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.

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 07/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Contacted this company XX/2017 with certified mail asking to validate debt they are trying to collect. Portfolio responded but not with suitable verification of debt, no sign agreement or verification they had the right to collect. Sent a second letter asking for validation Company sent same information as the first time and a letter stating that their dispute department has review this information and they are not going validate the alleged debt again. My issue is that they did n't validate it at all nor did they provide documentation that they have the legal right to collect this alleged debt.

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

Complaint: I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling XXXX they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into XXXX for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage.

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.

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 06/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I check my credit report to find out that 5 negative accounts and one collection were inserted back on to my report also a total of 11 inquiries. On XXXX XXXX, 2017, i called to get and explanation of why I was treated horribly and as if I was a liar by 2 reps and a supervisor. I offered to send copies of my previous reports and they refused and informed me to file a complaint because they did nothing wrong. I pull the hard copy of my report from XXXX 2017 and XXXX 2017 to make sure I was seeing everything correctly. The account readded were XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. The inquiries that were reinserted were XXXX, XXXX, XXXX, XXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Per the FCRA I must be notified within 5 days which has not happen. I have been violated by Equifax and request that these items be deleted permanently and an updated report be sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with Alliant Capital Management LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX-XXXX-2017 called looking for XXXX XXXX. has not lived here for 25 years. said they will sue if they do not reach him.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I contacted the Omnbudmans Office over a year ago about a problem I have experienced concerning my loan. I did everything your office told me to do over a year ago and am still having problems. I resubmitted the paperwork and made the corrections as instructed and they still tell me I am missing dates or paperwork. I told the Sallie Mae Rep- resentative my paperwork had been reviewed by your office and was told to resubmit it by the individual in your office with some minor corrections to the addresses of the schools street address. I do n't know what the problem is. I do n't remember the person I spoke with by name because she told me I should not have any more problems. That was over a year ago and I still am receive harassing calls from them. I have explained scenario them several times and it seems to not do any good. I am a XXXX and have been for the last fifteen years and was seeking Loan Forgiveness under the Title I program. They tell me I have gaps in my years or something is wrong with the way I filled something out or they are missing a form. After I spoke with someone in your office I followed process to the letter of what I was supposed to do. Still having issues with XXXX /Sallie Mae . Could you investigate this matter again for me Any information you need me to provide I will be happy to do. Maybe my last request for assistance may still be in the files in your office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is almost is almost 8 - 9 years old. This company called me to say that they have tried to serve me twice and they will try one more time. If they can not serve the papers the third time, they will sue me and it be an automatic judgement against me for the amount plus court costs. They said this will allow them to garnish my wages, seize my assets, and pursue other methods to collect the money. 
I told them that on some of the communications they sent me it mentioned the the debt is to old so they can not sue me. However, the lady on the phone ( XXXX XXXX XXXX ext. XXXX ) said that does not apply to the entire debt, only the settlement offer and that they have no choice but to pursue legal action to garnish my wages and maybe seize my assets. 

They said the company name is XXXX XXXX XXXX based in California. 
Their phone # : XXXXMy case number with them is : XXXX. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Medical) with Stallings Financial Group, Inc. (GU).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid

Company response to consumer: Closed
Consumer complaint received 10/26/2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to Equifax, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXXXXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX XXXXXXXX is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX, I initiated a dispute with Experian via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Experian is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. XX/XX/XXXX, Experian sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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: Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I mailed out XXXX money orders to the Ocwen processing center in XXXX Texas. One for {$1000.00} another for {$580.00}. The money order for {$1000.00} was received and processed. The {$580.00} money order was not. I assume they must have been stuck together. I contacted customer service and they stated that payments received on Saturday 's are processed by machine. I contacted Ocwen 's research department, but they could not find the money order. I contacted Ocwen 's ombudsman office and spoke with XXXX. I told her that the post office has a 60 day policy for investigating whether or not the money order had been cashed. This was XX/XX/XXXX. During this time period of 60 days XXXX tells me to continue making payments until the investigation has concluded. I make a payment for {$1500.00} on XX/XX/XXXX which was received and noted to my account on XXXX XXXX, XXXX I receive a check from the post office on XX/XX/XXXX I mailed the {$580.00} amount along with a payment of {$1500.00} these payments were returned with a letter stating insufficient funds for reinstatement. From XX/XX/XXXX- XX/XX/XXXX I tried to contact XXXX but she does not return my calls. XXXX weeks have gone by. I speak with a rep in the ombudsman office and tell him my concerns. He states that possibly they can contact the cashier office, and bring the account up to date. He would have to talk to XXXX about this matter. XXXX weeks have passed finally I get to speak with XXXX. I explain what her associate tells me. XXXX ask what would I like for her to do? I suggest what her associate told me about updating the account. I mention to her about our conversation of the postal money order and the 60 day period, and the post office letter that I faxed to her. She says she would see what she could do. XXXX days later I get a response from her stating there is nothing she can do, the account is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I tried to consolidate my loan into my home loan when purchasing my first house XX/XX/XXXX. Navient told me that unless I was getting an FHA loan to cut them a cash check with no 3rd party that they could not accept the money. I just wanted out of the interest rate nightmare we are all facing. Its going on 13 year now of paying off this loan and it still haunts my life even though I 've paid over the amount of the principle. I would like to save for my sons education however I am left trying to pay for a degree I earned XX/XX/XXXX. They call you to make sure you can make your upcoming payments. I also found this is a strange practice. 
I used to go over into the grace period when I was first eligible for repayment, I was XXXX and making XXXX a month with {$650.00} rent and {$190.00} car payment they still would not let me consolidate until many years later. It was basically a 3rd of my liveable income for a few years ( at the time it was XXXX XXXX ). I would get calls about when I was planning to make my payment every month multiple times and tried to talk to them about consoldation or hardship deferment and the representative would either hang up or tell me I was not eligable. None of it made sense. Literally years of run around to where you just throw up your hands and pay them as best you can.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I sent my complaint to you and you forwarded that to Premier Student Loan Center who responded incorrectly but you accepted that and closed the case. Is this how you do business and if so, I guess I should not be surprised since you are a government agency. My complaint was NOT the fee but the way in which the fees were to be set up. My complaint was NOT the fee but the misleading information regarding how I would now be set up to repay the loan. It clearly states that from the beginning, I would pay {$240.00}. for the first 4 months ( their fee ) and {$100.00} thereafter for the next 120 months. THE XXXX CHANGED TO {$230.00}. I was also quoted {$70.00} and another {$30.00} which totals the $ XXXX monthly payment. When I asked for an explanation about this and where does the {$100.00} appear, I received a general response that did n't feel right. That 's the issue that should be questioned and this information was stated in my first correspondence. If you are there to protect consumers, how the XXXX is this protecting consumers?????? Companies should not be permitted to pray on consumers such is what happened in 2008 and why to were created. People were mislead and provided with XXXX  information yet it appears that it is allowed to continue WITHOUT PROPER OVERSIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was helped in the emergenecy room on XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I have insurance and recieved a bill from them after insurance paid their part. The bill was paid in full in XX/XX/XXXX, but I recently found out they sent me another bill in XX/XX/XXXX or XX/XX/XXXX and i no longer lived at that residence and never recieved a bill. I found all of this out on XX/XX/XXXX and contacted the emergency room provider XXXX XXXX and was told my bill was in collections. I asked the person who helped me over the phone if they could let me pay the bill i never received of XXXX cents. So now I have a collection on my name from transworld systems, XXXX XXXX, XXXX, de,XXXX. I have a collection on my credit now and would like to know what process i can take to remove this collection off my credit as ive already paid the debt to the medical office i never received a bill from.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.

Company response to consumer: Closed with explanation