milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX {$100.00} is on my credit tracker from XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I changed insurance companies lowering my homeowners insurance from {$1000.00} per month to {$690.00} per month. I called Carrington and made them aware of the change and so did my XXXX XXXX XXXX. In XXXX XXXX I noticed there was no change in my monthly payment. I concluded that they may need time to make the updates. In XXXX my monthly payment remained same. I called Carringtion and was told that they needed to do an escrow analysis and the adjustment would then be made. 
When I received the analysis my montly payment was increased from {$760.00} to {$780.00} beginning XXXX XXXX. I called and asked how could that be and the representive told me there was a short. When I asked to speak to a supervisor she put me on hold and no one ever came to the telephone. Also I never received a refund for the funds that were in escrow when I switched insurance companies so there should be an excess not a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Khoury Alternative Claims Management (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a rental car from XXXX at the XXXX XXXX XXXX XXXX location. At the time I rented the car, the XXXX representative at the counter informed me that there were small scratches on both the front and the rear bumpers. She informed me that the scratches were notated on the paperwork and " not to worry ''. When I returned the rental car, the representative asked me about the scratches. I informed him the scratches were on the vehicle prior to me picking up the vehicle. I received the attached letter dated XXXX/XXXX/15 from XXXX XXXX - V.P. from XXXX stating I would be receiving a letter from Alternative Claims Management. I called XXXX at the number on the letter ... left a voice message ... did not receive a return phone call. I received the attached letter dated XXXX/XXXX/15 from Alternative Claims Management stating I had 30 days to dispute the claim. I sent the attached letter of dispute dated XXXX/XXXX/15. Since XXXX XXXX, or no one from Alternative Claims would return my phone call to discuss this claim, I faxed the attached letter to the XXXX Customer Service phone number from my XXXX Member website where I made the reservation, On XXXX/XXXX/15 I received the attached letter from the XXXX Customer Service Representative stating she could not help me. On XXXX/XXXX/15 I finally received the attached letter from Alternative Claims Management stating they received my dispute but that XXXX was still confident the damages to the rental car occurred while it was in my possession. On XXXX/XXXX/15 at XXXX I did receive a call from XXXX at Alternative Claims Management offering to settle the claim for {$180.00}. I wrote the attached letter dated XXXX/XXXX/15 saying I continue to dispute this claim. I have been a XXXX Member ( # XXXX ) for several years and have rented from numerous XXXX locations. The XXXX XXXX XXXX XXXX location is the worst run location I have dealt with and in talking with other XXXX customers, they have come to the same conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge on XX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

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 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to block items on my report due to my Identity theft. I have sent the appropriate documentation and requested that they remove the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Hello, I have just been informed about Navient 's class action law suit and quite frankly I am shocked that Navient di d n't say anything about this. I had pulled out loans for school back in  XXXX . I was told that I would n't have to pay any interested until 6 months after graduation. In  XXXX , my parents received numerous calls from Navient saying I was late on payments and that I needed to pay, otherwise my credit would be really bad. I talked to all my friends who had the same exact loans, and none of them were in the situation I was in. I was extremely confused and in the long run just brushed it off because I did n't want to have bad credit.. I was afraid for that to happen to me, so I started paying interest during my second year of college and since then have been paying. They stopped calling after that. I would really like someone to help me with this situation please. Especially now that people are coming out about Navient, I also would like an answer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Other type of mortgage) with FREEDOM MORTGAGE COMPANY (LA).
Issue: Trouble during payment process

Complaint: In XX/XX/2017 I called to have auto draft payment moved from XX/XX/XXXX to XX/XX/XXXX ( I am paid semi-monthly ). I was assured, on a recorded call, that it would not draft on Monday XX/XX/XXXX and that I would have to call in the payment myself if I wanted it to be drafted. The payment hit my account on XX/XX/XXXX ( Sunday ), which means they posted it on that Friday before ( XX/XX/XXXX ). I contacted the company and they told me that I didnt call in enough time to have it canceled. I talked to several different employees and finally someone was able to get me reimbursed for my NSF fee and my payment. 
I canceled their auto draft for good, with good reason behind it. I do not trust this company to post LEGAL, ON TIME, payments from my checking account. I am now being charged {$34.00} every month because check from XXXX XXXX  does not get to them until after the XXXX of the month. I called on Thursday ( XX/XX/XXXX ) and spoke to several employees that told me that NO ONE in this company is able to help me with this and that I will continue to be charged this insane amount unless the payment is in on XX/XX/XXXX. The last representative that I spoke to claimed she was going to have her manager call me on Monday ( XX/XX/XXXX ) to try to get this situation taken care of as it has been going on since XX/XX/XXXX .... It is now Tuesday, after XXXX in all time zones, and I still have not received a phone call from this company. The only reason I came off their auto draft in the first place was because they obviously do not know how to post payments correctly and I do not trust them. My payments have been sent in on the last day of the month and the XXXX every single month, but I am still being charged this {$34.00} every month. No one can help me get these fees off of my account and I do not feel that I should have to pay this due to this companys carelessness.

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 03/22/2017 about Debt collection (I do not know) with EQUIFAX, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Requested an investigation with trans Union about some credit accounts and credit inquiries The credit inquiries were not authorized by me in any way The credit inquiries were not investigated and were not verified Therefore trans Union did not remove credit inquiries from my file as requested Negative information that is not accurate still remains on my file

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 12/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After several phone calls, emails, mail, and faxes stemming as far back as XX/XX/XXXX, I have to date received no response from Ditech. I was told by a representative of Ditech formerly Green Tree that my supplemental tax bill would be paid out of my escrow account because there was a surplus in my escrow account. Long story short, I was continuously told that the installments were scheduled on time and they were not. I accrued {$420.00} in fees due to Ditech 's mistakes in not paying the tax bills on time, and was adamant in having Ditech credit me the fees that were accrued through no fault of my own. Several Ditech representatives indicated seeing my numerous faxes, emails, and calls documenting my diligence in providing them documents and following up on getting these issues resolved since its inception in XX/XX/XXXX -- to date no response has ever been received. In fact, I have now had my mortgage payment increased due to an escrow " shortage, '' even though they sent me a surplus check in XX/XX/XXXX. Yet when I asked why an annual escrow analysis was done in XXXX and again in XXXX, no one could answer my questions. This to me feels like I 'm being PUNISHED for wanting back monies that are rightfully mine. On XX/XX/XXXX, I emailed Ditech asking why they were issuing out Annual escrow analysis to me in 3 month increments? Well of course the account would be short in the computer, a payment would have just gone out in XXXX for XXXX regular property taxes! My regular payment at the beginning of the loan was {$2800.00} ( {$1900.00} in principal & interest, and {$940.00} escrow for taxes & insurance ), then in XXXX it changed to {$2600.00} ( {$1900.00} Prin & Int and {$710.00} escrow for taxes & insurance ) due to a " surplus, '' and now my XXXX payment went up to {$3000.00} ( {$1900.00} Prin & int and {$1000.00} escrow for taxes and insurance ) due to a " shortage. '' So, my payment went up {$350.00} due to an escrow " shortage, '' but no one can explain to me how, or will even call me back. I have been told for weeks that a supervisor will call me back -- not once have I ever been allowed to speak with one, even after several times of requesting to speak with one. I sought out legal advice and had an attorney write me a letter in the hopes that someone would call me back -- nothing! On XX/XX/XXXX was my final call to Ditech, again I was given the runaround. No supervisor was available for me to speak with, and no one could tell me why my payment went up or why an annual analysis was being done 3 months later from a previous one, or where my darn check was for the fees and penalties! 
It is blatantly obvious Ditech has no intention of paying me back my fees, and even went as far as increasing my payment as punishment for requesting those fees to be credited. To date no one has ever responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MO).
Issue: Fraud or scam

Complaint: Pay pall refunded money to the person even after I reported, that it was nothing wrong with an item. When I protested it, they told me that the buyer will return the product. The buyer returned empty box, now I do not have the product and the money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX 2016, Navient incorrectly reported a 90-day late to each credit bureau 4 times for the loans consolidated with their one company. I 've asked that they correct this or give a valid explanation, but they refused on both occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received XXXX calls from XXXX XXXX XXXX XXXX XXXX the morning of XXXX. I could not answer the phone as I was at work. They left XXXX voicemail msg. Before I could call them back, they called XXXX of my sons, the person calling left his name, the name of the company XXXX Global Credit XXXX and that he was called regarding MY debt! He left my son with his contact information. My son is XXXX yrs old. Even if he was XXXX, Global Credit broke the law by discussing the issue with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: improper use of credit. inquiries were pulled without my authorization

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 02/22/2017 about Debt collection (I do not know) with Penn Credit Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Sentry Credit, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do n't recall getting any collection notice from Sentry. I am unaware what this bill is for and where it originated.

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 09/16/2015 about Debt collection (I do not know) with Brumbaugh & Quandahl (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problems when you are unable to pay

Complaint: I lost my job for several months while I was XXXX. While I ended up finding a job, by the time I found it, I was showing and was offered a much lower salary. I had a car loan with USAA for a XXXX For XXXX that fell behind. I kept in constant communication with them and was told re-possession starts at 90 days. I got paid and was going to pay my loan at 86 days, but when I returned home from work, they had re-possessed my car, 4 days earlier than they said they would. They now want {$550.00} in re-possession fees, and they towed my car into another state, so now I will have to take unpaid time off work, or leave it stored for another 5 days until the weekend again. They refuse to let me speak with a manager or to release my car upon paying my debt in full with the exception of the re-po fees which I do n't feel I am responsible for since they told me I was okay to make a payment before 90 days and it would not go to the re-po department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Did not open a loan in 2009 with XXXX. Nor did I co sign for anyone.Also, I never had a XXXX account. No mail for me has Ever been give that address on my behalf. Found out that it belongs to my ex husband.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with First Choice Assets LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving calls from 1st Choice Assets. I owe XXXX debt, when they call they will not tell me why they are calling unless I verify my address first. They call me 2-3 times a day and I keep telling them to stop calling me. It is becoming frustrating because they call anywhere from XXXX to XXXX daily. I know for a fact I owe XXXX debt and have no liens against me. They need to stop calling 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
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've contacted   XXXX   XXXX   XXXX   for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of   XXXX   XXXX   XXXX   and TransUnion have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.

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