milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've been receiving calls from Transworld about a supposed student loan in default for several months now. As far as I know, I do not have any student loans left and wanted to know more information about the origin of this debt. The amount they are collecting for is also close to the amount of the remaining balance of a student loan that was paid in full in the fall. I requested a letter be sent to me in the mail with this info so I could check it against my records. 

I received nothing in the mail and several weeks later Transworld began calling me again. When I called them back, they said they had no record of my phone number in their system and so they had no idea why they would be calling me unless I could give them an account number, which I could n't, as I still have n't received anything in the mail from them. I was finally able to answer a call from Transworld and the agent told me the reason they could n't find my phone number before was because the other agents I spoke to were n't authorized to talk to someone in my state. For the 2nd time I requested the loan info be mailed to me. This was on XXXX XXXX. 

On XXXX I began receiving phone calls from Transworld again. I still had not received anything in the mail from them. I finally did receive something today, but it is just a generic letter informing me of ways to resolve the debt, nothing about disputing it or the debt itself ( amount owed, etc. ). 

I called Transworld today, XXXX, to request, for the 3rd time, info on the loan. I explained and asked for the letter to be sent at the beginning of the call. At first the agent tried to dissuade me from requesting the letter. I told her that I know it is my right to receive that info and she became belligerent with me. She asked what kind of info I wanted and I said, " anything you have, like the origin, amounts, who it was paid to. '' She gave me some info and some of it matched the previously mentioned paid off student loan but some did n't so I asserted again that I wanted a letter in the mail with this info, so I can figure out what is going on. She tried to continue to argue with me until I reminded her, again, that by law they have to provide me with this info or stop calling me, and that this is the 3rd time I 've had to request that info. She finally relented, verified my address, and ended the call. 

I would like to figure out what is going on with this debt and resolve the situation but so far Transworld has sent me XXXX info, yet persists in calling me to collect. The last agent I spoke to was unprofessional and belligerent when I tried to assert my rights. It was also unprofessional of Transworld to not be able to look up my phone number when I called them so that XXXX of their employees literally told me they had no idea why Transworld would be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am on a student loan deferral from the XXXX granted by my XXXX contract. I have submitted the annual forbearance form every year since eligibility began in XX/XX/2013. My paperwork was late in XXXX - XXXX due to administrative failures at my unit of assignment during XXXX I confirmed with the servicer, FedLoan Servicing, that my deferral was backdated and my account credited, however, my XXXX trade lines had already been reported by the time the error was corrected since I was already 90 days past due. I have filed XXXX disputes since I originally discovered the issue, with the most recent dispute results arriving this morning. Today I spoke with Employee ID XXXX at FedLoan Servicing -- she was very helpful. FedLoan Servicing is refusing to fix the XXXX past due report, although they have backdated the deferral and any monetary penalties. The last time I spoke with a representative at FedLoan Servicing, I was told that I do not have to worry about my unit processing my paperwork after the deadline because the deferral would be backdated appropriately. This is not what happened, and as I am applying for mortgages to purchase my XXXX house, I have XXXX trade lines with XXXX past due records as XXXX of XXXX negative trade lines -- the other is a tax lien from the City of XXXX, NY for parking tickets I 'd failed to pay several years ago. FedLoan Servicing 's inability to enact sensible procedures is unjustly affecting my ability to lend at a rate commensurate with my riskiness as a consumer. 

The XXXX negative trade lines also affect my ability to acquire credit where automated credit decision engines are used to summarily decline applicants with a certain number of XXXX delinquencies -- a common practice in consumer lending, as these individuals tend to be exceedingly risky in today 's credit climate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (DE).
Issue: Balance transfer

Complaint: I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.

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 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the XXXX complaint that i have put on experian in reference to XXXX XXXX XXXX record that is on my file. I have sent several documents in and explained my situation to them on several occasions and they continue to deny the removal of the judgement. I put a CFPB complaint on them and they responded that they were not able to block the judgement based on my police report. Note that this is the same response that they gave me in XXXX of this year and they requested documents to back up my claim which I did and they refused to remove the judgement. This judgment was removed from their vendor XXXX XXXX XXXX solutions on XXXX XXXX of this year and I am attaching the letter from the vendor stating that based on my dispute they have removed all judgements and liens. Experian has not tried to contact XXXX XXXX XXXX solutions to get an updated report they continue to use the original report they pulled from when this matter started. I have come to the point where I am going to be left no choice but to hire an attorney to put a civil suit on experian because i have provided a substantial amount of paper work to them and they still refuse to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 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: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit Control Company, has been reporting me for years of having a delinquent account for a cable bill that was paid on time with the cable company upon terminating my service. I have disputed this with the credit bureaus and I have had no resolution. They are even reporting the same balance twice under XXXX different accounts! They have not provided any substantiation of the debt and their customer service is awful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (VA mortgage) with MONEY SOURCE, THE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I contacted my then-mortgage company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX because I received a property tax bill from XXXX XXXX. After speaking with XXXX XXXX representative, I was told by a representative from the mortgage company that property taxes were paid on my behalf, & to not worry about it. At the same time, my loan was being sold to The Money Source, Inc. ( TMSI ). On this same day XXXX XXXX/XXXX/15 ), I contacted TMSI as well to ensure they had the same understanding regarding my property taxes. A TMSI representative said not to worry about it. That was over one month ago. This past weekend ( XXXX/XXXX/15 ) I received the usual monthly mortgage bill from TMSI but with an increased monthly balance of {$200.00}. Today ( XXXX/XXXX/15 ) I called TMSI & a representative said my escrow balance was negative. TMSI never sent me an escrow analysis, nor did they forewarn me that my monthly mortgage would increase. I was shocked to found out less than two weeks prior to the due date. This same representative said they paid my property taxes & that was why my escrow account was negative. This same day ( XXXX/XXXX/15 ) I called XXXX & XXXX XXXX only to find out XXXX XXXX was paid twice - once by XXXX & once by TMSI. TMSI completely ignored my original call on XXXX/XXXX/15, & did n't bother to confirm with XXXX or XXXX XXXX that my property taxes were already paid. A representative from TMSI then said I would have to search for the missing money, continue to pay the increase monthly mortgage amount, & then request a refund. TMSI should request a refund from XXXX XXXX, not me. In addition, I should not have to pay for TMSI 's mistake. TMSI failed to perform due diligance & then expected me to fix their error. TMSI did n't even know they had duplicated the property tax payment until I notified them. Now TMSI expects me to pay extra each month while I clean the mess they made. TMSI should fix their own error, apologize profusely, & expect the usual monthly mortgage payment from me ( instead of expecting me to pay an additional {$200.00} each month ). TMSI lacks any level of professionalism. When I attempted to explain my situation to XXXX in TMSI 's tax office, he said if I had a problem with XXXX XXXX that I should contact them directly. The problem is not between me & XXXX XXXX. In addition to a huge lack of professionalism & business integrity, the problem of miscommunication exists between TMSI, XXXX, & XXXX XXXX. I contacted all three entities on XXXX/XXXX/15 to avoid having this very issue arise over a month later. In addition, TMSI should be penalized by having to pay a reasonable fine & be placed on indefinite probation. Thank you. [ TMSI individuals I spoke with on XXXX/XXXX/15 : XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN CREDIT REPORTING AGENCY WILL NOT REMOVE INFORMATION THAT IS TOO OLD TO BE ON FILE. I HAVE DISPUTED RECENTLY AND THEY HAVE REFUSED TO REMOVE IT

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 11/25/2016 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them {$120.00} per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.

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 06/15/2016 about Debt collection (I do not know) with Resurgence Legal Group, PC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, 2016, I was served false court garnishment paperwork owed in amount of {$2800.00} by Resurgence Legal Group. XXXX. There requesting, I own this amount. Not sure how they came up with this when I never once contacted by them initially, so I can not tell you what this debt is for. I need some help ; I am requested that they send me proof they have the right person and advised me the of whom the original creditor is and or what it is for. Moreover, I would like for this garnishment to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: XXXX switched over the credit cards from XXXX XXXX to Citibank Visa card on XXXX XXXX, 2016. 
In process all the charges which were made on my XXXX XXXX were also transfered to Citibank ( without my knowledge ). My XXXX account was set up for autopay and would have been paid by end of the month. But because of this transfer, Citibank charged me the late fee and interest. This is a huge inconvenience and bad practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has inquiries on my credit report that do not belong to me. I never authorized the following inquiries. XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was unaware of the inquires until viewing my credit reports. I have attached a letter from XXXX Bank for XXXX. When I had them to send the letter to XXXX, I was unaware that it was a XXXX inquiry on my Experian report. The other organizations informed me to dispute directly dispute with Experian. I am asking Experian remove the fraudulent reports. Also, I noticed that one of the addresses that you have listed as XXXX # XXXX XXXX XXXX FL XXXX. This address is not correct, please delete.

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 12-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other service problem

Complaint: i tried to set up a XXXX XXXX account for purposes of trading crypto currency and TD Bank blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with Credit Corp Solutions Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016, I received a demand letter from Credit Corp. Solutions, Inc in the amount of {$6900.00}. 

I am disputing this demand letter of XXXX, because it does not belong to me. I want proof of this debt of identity of who opened this account. 

Also, the demand letter was written in XXXX I do not read, write, or speak XXXX. This letter should have been written and sent to me in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have had this issue on and off for years. My report can not be accessed by myself or creditors. I called the public affairs department and they tell me they do n't see an issue. I do n't know what to do - right now I ca n't get insurance because they company ca n't access my Equifax report. When I have called/complained to the CFPB previously, they fix it but the fix only lasts a month or XXXX. I need to be able to consistently access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (IL).
Issue: Account opening, closing, or management

Complaint: Ally Bank turned me down for deceased relative ( s ) debts. I owe no debts. Yet, the bank stated in their letter to me that since I have " outstanding debts '' I was turned down for a 1 % online savings account. There is no need to refer this complaint to another agency, I think XXXX is a flawed system for banks to use, and very few do n't use that to check potential banking clients credit, check history.

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