milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: 1. On XX/XX/XXXX- It got Credit report from " Experian " that contain one out of 4 names.
wrong. They told me to contact XXXX XXXX XXXX XXXX, who reported that information.
2. When I called Experian, they me told me that name was provided by XXXX XXXX XXXX XXXX and that modification can only requested by XXXX XXXX XXXX XXXX only..
3. When filed dispute with them, on XX/XX/XXXXXXXX XXXX XXXX XXXX, conveyed me to call their Phone XXXX 4. I have been have been in communication with XXXX XXXX XXXX XXXX number of times, since XX/XX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XX/XX/XXXX, as requested by XXXX XXXX of XXXX XXXX XXXX XXXX 's president 's office.
5. When called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX PST, they told me to call again Experian tel # XXXX.
6. I called Experian tel # XXXX.on XX/XX/XXXX at XXXX XXXX PST, they told me that there has been only one updated from XXXX XXXX XXXX XXXX on XX/XX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by XXXX XXXX XXXX XXXX only, This is very stressful for a person who is XXXX years ... ..
Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..

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 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: TransUnion XXXX, XXXX XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX County case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALSO SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX PROGRAM '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS GOD WILL BLESS YOU I AM SURENANCY XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX/XXXX/XXXX afternoon, my husband received a voicemail from Target Credit services verifying some information regarding an application of credit card using my name, social security number and license number. I called the Target Credit Services and informed them that it is not me who is applying for the credit card. I asked them if they apply it online or at the store. They told me that the application was filled out in person at Target located in XXXX, Florida. I called Target and spoke with security manager to ask if they can help me find the person who did it by looking on their video camera. They told me that they can do it but it will takes time and they will just call me when they saw it. 
The next day, I filed a report to XXXX police officer. 
My complaints is how can the Target employee accepted this application without a proof of identity. I still received the Target gift card this week which is telling me that it was approved even though it was cancelled already on XXXX/XXXX/XXXX after I spoke with Target Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with U.S. BANCORP (WA).
Issue: Other

Complaint: USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MN).
Issue: Taking out the loan or lease

Complaint: Infiniti / Nissan finance offers a lease transfer. A fee of {$250.00} is paid to transfer the lease and ensure the credit worthiness of the new leasee. However, if the lease is transferred, Nissan / Infiniti will still report the outstanding lease amount to credit bureaus in the name of the original leasee. This does not appear to align with Regulation M and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Received a call from CEO on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that USAA never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ME).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.

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 04-04-2017 about Debt collection (Credit card) with Diversified Consultants, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never gone for international service and I am charge for wrong charges which was clear and explained in XX/XX/2015. And I see its yet to get close. 

its harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX private loans with Discover Student Loans that were charged off several years ago. XX/XX/2016 I came to a settlement agreement with Discover and paid off these loans on XX/XX/2016. Discover has continued to report them as past due even though no further money is owed to Discover. I first disputed directly with the Credit Reporting Agencies, and Discover verified the incorrect information. Then I sent a letter directly to Discover explaining the issue and received only a form letter in response saying the reported information is correct. On XXXX, as of a report from XX/XX/2016 ( almost 4 months after settlement ) they were still reporting {$460.00} past due as of XX/XX/XXXX on XXXX loan, {$490.00} past due XX/XX/2016 and {$590.00} past due XX/XX/2016 on a second loan, and {$760.00} past due as of XX/XX/XXXX on a XXXX loan. That is XXXX incorrect reportings on XXXX. On XXXX, they listed all three loans as past due in both XX/XX/XXXX and XX/XX/2016 ( XXXX incorrect updates ). On XXXX they also listed each loan past due in both XX/XX/XXXX and XX/XX/XXXX for XXXX incorrect updates. That is XXXX incorrect updates by my count. I have followed the available procedures to get them to correct their reporting and they have failed to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with RGS Financial, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BMO HARRIS BANK NATIONAL ASSOCIATION (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been a XXXX XXXX XXXX customer for decades. Since XXXX XXXX has come into control of the XXXX XXXX XXXX brand, I have experienced numerous difficulties not encountered with other credit card companies or banking institutions. I keep the account because I travel professionally, and certain features of this card are very helpful. I have yet another problem. On Tue XX/XX/XXXX I  made anonline payment ( an extra payment in addition to my normal monthly payment ) of {$1700.00}. I printed the confirmation from the XXXX 's website. Keeping in mind that XXXX XXXX is a XXXX corporation, there is no reason to believe that the US holiday of XXXX could interfere in any way with accreditation of payments. However, this payment did not clear my banking account until Fri XX/XX/XXXX, a delay of 3 days. Today, 1 week after payment was rendered, and 4 days after clearing my bank account, I have still not received credit for the payment on the XXXX 's website. I paid several bills that day, and all of them ( except XXXX 's ) were credited the very next day. Today, Tue XX/XX/XXXX, fully 1 week after the payment was rendered, I attempted to confirm the payment had been credited, and in doing so I printed out the appropriate XXXX 's webpage ( " New Transactions Since Last Statement '' ). That payment has still not been credited towards my account. Therefore, I am paying interest on the outstanding balance for that extra week. It is not the actual interest amount that is concerning. I am asking your help in determining whether this constitutes a breach of XXXX XXXX 's fiduciary responsibility and for help in contacting XXXX XXXX. You see, in addition to failure to post my payment, the corporation 's " Contact Us '' feature, which provides an online template for comments and queries does not work. It allows entry of all necessary information, but after clicking the " Submit '' button, a popular page appears, saying, " Error 500 : FormAttributes is null or empty ''. For the record, all template blanks were properly filled ; I made a record of this by printing screenshots of the attempts. As I have had so many similar and related problems with XXXX XXXX, I prefer all contact with the corporation to be in writing, and there seems to be no other way to send expedited communication to XXXX ( no customer service email address is provided ). In recapping, XXXX XXXX has withheld credit towards my XXXX XXXX XXXX credit card balance unduly, which is presumably accruing undue interest. Additionally, the institution seems to provide no means for written queries other than through paper means, which is completely unreasonable in this digital age.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXX/XXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.

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 07-08-2015 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I already filed a complaint against the issuer XXXX XXXX XXXX. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Auto) with CU Recovery, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Approximately 2 months ago our family members and in-laws began receiving telephone calls from a man identifying himself as XXXX XXXX on their personal and private, never publicly published numbers. This included business telephone numbers of cell phones for inter-company use. The man would ask for a family member by first name as if he were an old friend, he refused to provide his true name and company he worked for. He was extremely rude and hung up on family members who continued to ask for this information. He also threatened to have his telephone number blocked if we continued to call him and ask for this general information because he " did n't have business with us. '' After our own investigation, we discovered this man works for CU Recovery, a debt collector in Minnesota. Our family member also recently received a forwarded letter from CU Recovery stating they were attempting to collect over {$8000.00} worth of debt from an auto loan that is over 15 years old, no longer collectible or owed by all applicable state and federal laws, and the vehicle was repossessed and resold at auction from this family member over 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Mortgage (Home equity loan or line of credit) with Franklin Credit Management Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I have disputed XXXX on my credit report with XXXX Experian and XXXX multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all three CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX Bank these two were shut down by the federal Government, XXXX XXXX XXXX, and XXXX XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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, XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off 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 explanation