milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
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: In a letter to Macy 's dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to Macy 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.

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 10-07-2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (NM).
Issue: Managing the loan or lease

Complaint: I took a loan out and was charged 350.97 % which is an unreasonable amount of interest

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: The company is reporting my account as a bankruptcy. I have contacted them about 4 times over the past year to correct. Someone always says they will correct but it never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Good afternoon, I have yet to receive a formal statement from Heartland ECSI since XX/XX/XXXX, which was the time in which they took over management of my loan from Campus Partners. I have made payments only because I have personally logged into the account to see the status. It is the obligation of the loan service provider to provide me monthly or quarterly statements and notify me within 30 days of my due date of payment. None of this has happened. I have received XXXX document stating that my loan was been transferred to Heartland XX/XX/2016 and one email dating XX/XX/XXXX that my statement was ready. No correspondence other than this, not one time. I have requested electronic and paper billing none of which I have received.I made this request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX none of my requests for statements were met. 

In addition to the lack in response Heartland ECSI processed a payment XX/XX/2016 that was submitted to XX/XX/XXXX. Campus Partners now Heartland ECSI stated to the credit bureaus that no payment was received but clearly written on the check along with my USPS receipt for the payment with the date. That is clearly fraud and needs to be corrected immediately along with any interested that was occurred due to that misapplied payment. 

I am hopeful that the CFPB will support me in this effort to correct the wrong doings of these XXXX companies so that no other borrower will be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with AmerAssist A/R Solutions, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Ameriassist debt collector has called me all through out the day and night. " XXXX '' has called my family members telling them I am in debt, and even called my boss and told them they were collecting my debt, thanks for the humiliation. This is a debt of the birth of my child, I was told my insurance was going to pay 100 % of it therefor I am trying to work with my health insurance and my hospital concerning this issue. The lady XXXX from ameriassist told me to pay her XXXX $ and she will leave me alone for XXXX month. Luckily I was pay day and I did have that money at the time even though money has been a struggle for me now as a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX staff had incorrectly advised me to request my bank to stop a payment made to XXXX. Had I followed the advice, I would have become delinquent in my student payment and faced dire consequences. 

On XX/XX/XXXX, I called XXXX to resolve issues with Public Service Loan Forgiveness ( PSLF ) program. It is my understanding that all payments made through an income-based repayment ( IBR ) program while engaged in qualifying employment would count toward the PSLF program. Although I believe that I had made three qualifying payments under the PSLF program, XXXX had only counted two of my payments. During the XX/XX/XXXX call, the customer service representative told me that XXXX most likely made an error in not counting the third payment. The representative promised to have XXXX staff review the contested payment to check if the payment should have counted. 

On XX/XX/XXXX, I called to follow up on XXXX 's review process. A different customer service representative told me that my contested payment definitely would not have counted toward the PSLF program, as the contested payment was unnecessary and not part of my official IBR payment plan. I then asked if I could have the contested payment refunded, but the customer service representative simply advised me to have my bank stop the payment. 

Later on XX/XX/XXXX, I called to speak with a third XXXX representative to confirm that my contested payment was not part of the IBR program and thus would not count toward PSLF. I was then told that my contested payment was still pending review, and the second customer service representative was not authorized to determine whether the contested payment counted. I also found out that, regardless of whether the contested payment counted toward PSLF, the contested payment would have been due shortly after the time I paid it. The third representative informed me that, had I requested that my bank stopped the payment in accordance with the second representative 's instructions, I would have been delinquent in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with AmeriCollect (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have Illinois Medicaid which paid debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a call from XXXX at Transworld Systems ( XXXX ) indicating she was attempting to collect a debt from me for XXXX XXXX XXXX XXXX. When I asked her what the debt was she could only tell me it was from a service date of XX/XX/XXXX for {$60.00} and occurred in the state of Arkansas. I explained to her that I lived in Texas and not Arkansas. She could not tell me anything else about the debt. She suggested I call XXXX XXXX XXXX XXXX directly ( XXXX ) .I called on the same day and was told the debt was for a nebulizer for a patient named XXXX . I explained I did not have a child named XXXX. The medical claim was under " XXXX XXXX ''. I further explained that I had never lived in Arkansas and this was not a claim related to any medical care my children had received. The plan was to notify Transworld Systems this was a false claim. Today (XX/XX/XXXX ), I received another call from XXXX at Transworld Systems trying to collect on the debt. I explained to her what happened on XX/XX/XXXX but she stated they had not heard from XXXX XXXX XXXX XXXX. I felt somewhat threatened by her as she stated this would show up on my credit report if I did not pay the claim. When I said I was not worried about that she said " you should be '' and then she ended the call abruptly. I then called XXXX XXXX XXXX XXXX and spoke with XXXX. She did say that on XX/XX/XXXX they sent an email to Transworld Systems requesting to close out this case. XXXX did tell me that the patient did have XXXX XXXX. I also have the same insurance provider but claim had a different policy number on it. XXXX sent another request today to Transworld Systems asking them to close this case.
When I review my phone records, I can see Transworld Systems began calling me onXX/XX/XXXX ( XXXX ). I did not answer that call as I was on vacation and did not recognize the number. They did not leave a message. They called again on XX/XX/XXXX ( XXXX ) and did not leave a message. They called again on XX/XX/XXXX ( XXXX  ) and did not leave a message. They called onXX/XX/XXXX( XXXX ) and did not leave a message. They called on XX/XX/XXXX ( XXXX ) and did not leave a message. I do not want to block these calls until I am certain this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX, XXXX did an account review on XX/XX/XXXX. Not sure why, I have not applied for any credit cards, loans or anything else during the last year. 



XXXX XXXX XXXX XXXX did a credit report on XX/XX/XXXX. Not sure why, I have not had a car accident, requested any information from them, not have I tried to open an account with them. 

All the address that are listed where I lived are seriously incorrect : XXXX XXXX XXXX-sold house in XXXX XXXX The house on XXXX XXXX in XXXX, TX-sold house back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-have not lived there since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX  XXXX listed twice with two different dates-both are incorrect. Have not live there since XXXX XXXX Not sure of the address it was XXXX XXXX, TX XXXX have never lived in this zip code XXXX XXXX XXXX  XXXX XXXX, TX-I have never lived at this address. This address belongs to my ex sister n law-who has a son who has been known to steal things from family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I had insurance claim money for home repairs held hostage by mortgage company XXXX XXXX. XXXX turned over all funds to Green Tree. I attempted to recover funds from Green Tree in order to complete insurance repairs and pay contractor. Green Tree acknowledged possession of funds and also exhibited a willingness to help. I was given instructions from Green Tree Rep on how to obtain funds.The instructions were to have my contractor call Green Tree and arrange for a disbursement. Rep said he needed a tax number from contractor to proceed. Contractor said he could not communicate with Green Tree because they were reluctant to negotiate with anyone other than owner of property. This was disconcerting because I realized that I was now going in circles. My next communication with Green Tree was a failure because reps did not understand situation. They were abusive and forthe most part unwilling to help me arrange this transaction. Rep hung up on me each time I called. From this point I could not get a positive communication with Green Tree 's customer service center. Communication was negative. I was hung up on, lied to, disrespected and disregarded.My wife experienced similar setbacks. Now my mortgage company is Dytech. This lack of availability has caused my contractor to cancel and break contract and negotiations. I am now suffering abuse at the hands of the contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted XXXX  through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. XXXX declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) XXXX has reason to determine that you have requested the block in error ; b ) XXXX  has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a XXXX  XXXX and should not be going through this. 


I will once more supply XXXX  with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Credit card () with SYNCHRONY FINANCIAL (ND).
Issue: Billing disputes

Complaint: I purchased a lawnmower from a dealer XXXX nd opened a XXXX credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them XXXX dollars a month for two years it should be payed off by now I accualy over paid them they should owe me XXXX back this has been going on for months now was never late with a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo will not allow me to refinance due to a bankruptcy six years ago. They were not involved or mentioned in that process. I am a XXXX and could use your help.

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My wife attended XXXX XXXX XXXX School in XXXX, CA from XXXX XXXX, XXXX to XXXX XXXX, XXXX. We were lead to believe that we needed to take private loans in order to pay for this " highly for profit " school education. We took out a loan from XXXX XXXX for {$38000.00} and got an addition of a {$2300.00} prepaid finance charge plus a {$6700.00} and {$2700.00} capitalized interest fee. We also took out a second loan to help pay for expenses while my wife was in school. The XXXX XXXX loan was originally for {$12000.00} which had the addition of a {$720.00} prepaid finance charge as well as a {$2300.00} and {$1100.00} capitalized interest fee. We took both of these loans and consolidated them with XXXX for a cheaper rate. Before the ink could completely dry with our loan XXXX, XXXX XXXX lured us back with just a slightly better rate. So we came back. But now with the interest from XXXX, the loan we took out from XXXX XXXX was for {$73000.00}. Since our first payment on XXXX XXXX, XXXX we have paid {$41000.00}. Of that amount {$32000.00} has been for interest ( {$1900.00} - capitalized interest ) with the small about of {$9300.00} being applied to the principal. Almost 10 years later and our loan of {$73000.00} is only down to {$63000.00}. It 's just not right. We feel like we 've been taken advantage of, lied to and ripped off. We find not only Navient and XXXX XXXX but XXXX XXXX XXXX to be at fault with their unscrupulous practices. Who knows where we might have been financially if not for the predatory ways. It 's caused great headaches and credit card debt and other consolidation loans all with the fear of not missing these student loan payments. We want them to pay for damages of stealing from us. For taking something that was manageable for us in the beginning and making it grow in to something that we feel like we will carry for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with LDF Holdings, LLC (CA).
Issue: Managing the loan or lease

Complaint: I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Trans World System Inc started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.

Company response to consumer: Closed with explanation