milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 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: Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above.
Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve.
Why are they allowed to do this I made another attempt on my life.
Respectfully XXXX XXXX

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around XX/XX/XXXX2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the Best Buy representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: filed a bankruptcy XX/XX/XXXX 2016 ReAffirmed 2 mortgages XXXX XXXX XXXX and Experian- Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX refuse to report all payments made from date of reaffirmation which is XX/XX/XXXX2016 to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate

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 05-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Hello, I cosigned a student loan back in college for a roommate of mine. Though now I know this is a risky situation, I did not know at the time. Recently, I applied for a job in which I was offered a position but once a credit report was obtained, I can not be hired until the student loan is not late. I am just the co-signer and can not make payments on it. I am trying to start my life anew, as I have a baby on the way ( due in XXXX XXXX I NEED the income. I know for a fact that the borrower has a job and is able to make the payments. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (MO).
Issue: Trouble during payment process

Complaint: Freedom Mortgage XXXX. XXXX XXXX XXXX, TX XXXX On XXXX/XXXX/XXXX Freedom Mortgage automatically deducted an additional {$870.00} from my checking account BUT the additional withdraw was not applied to my account. They are unaware of any deduction, where it went to, or how to reverse the withdraw.

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 05-04-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CENTCREDSERV reported that I owe   XXXX   different medical bills   XXXX    for {$77.00} and another for {$79.00}. I spoke with them and gave them my information and they realized this incorrect and they had reported it on my credit wrongly. They said then I have to call their   XXXX   branch to resolve this even thou the number on the credit report was the one I called to get them not their branch in  XXXX . The number they gave me was  XXXX  and every time I call it keeps saying, " due to high call volume we can not answer your call. Please leave a message and we will call you back ''. I have left now 6 messages over the last 3 days and no call backs. the number they gave me just keeps saying the same thing. I called back CENTCREDSERV and told them that the number they gave me is no good and their reply was " keep trying '' I told them why should I keep trying that number when the contact number on my credit report shows this one I am talking to you on now? they would not answer and just kept pointing me to the other number. They will not 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 08/27/2017 about Debt collection (Medical debt) with Access Credit Management, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX debt was liquidated in chapter XXXX that I filed in XXXX. I call this company and spoke with a gentleman name XXXX. I asked him why was he continuing to try and collect on a debt that first of all over 10 years old and secondly it has been discharged in my  chapter XXXX in XXXX. he said it was a mistake and he would rectify it. he did just the opposite, He went in an updated the opening of the account for XXXX XXXX. Noted this is illegal and he is practicing fraudulent reporting. I call him again on XXXX XXXX, XXXX. He claimed that he had the updated bill. I asked him to sent me a copy of the account that he said was opened in XXXX XXXX. He then asked me for an account number. Well, the credit Bureau has no account number for this bill because it was discharged in XXXX. I have the records from the bankruptcy courts where XXXX XXXX XXXX was listed numerous of times in my chapter XXXX. This company and XXXX are known for practicing illegal reporting and misconstrued information on peoples. They have been doing these type of tactic for years. XXXX is the person that does all the illegal reporting. I am faxing you a copy of the bankruptcy filing as evidence that this accounts along with other have been liquidated in my chapter XXXX filling in XXXX. 
this company Phone number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a derogatory remark - bankruptcy - on my Experian credit report that does n't belong to me. I sent letters and called Experian numerous time but the remark still there. 
Please help. 

US BKPT CT NJ XXXX

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 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being 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 non-monetary relief
Consumer complaint received 09-07-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My wife and I have been called repeatedly by Lowe's/.Synchrony Bank by their XXXX call center. They stated we had not paid them since XXXX 2015. That is because our account has been paid off in full. The call center agent accused us of not paying our bills and even asked my wife, ( she is not the card holder ), if she paid her bills. I have spoken with XXXX of the call center reps when he threatened to turn us over to a collection agency. 
I would like to make other consumers aware that the Lowe 's Synchrony Bank demonstrates very poor business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX I balled Bank of America because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.

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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Accudata Credit Systems LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: l was able to address an issue on my credit recently. l began speaking with Accudata, we came to a agreement and an offer was made. XXXX XXXX an accounts representative at accudata informed me the original creditor was not really wanting to settle but she was speaking with them. l had been in contact with the original creditor for a copy of my file and knew this was not true, they had in fact informed me that the debt had been sold and they just verify information if needed. We continued to come to certain terms with accudata, The first offer expired but we continued to negotiate. l requested a settlement letter stating how it would appear on my credit. XXXX XXXX informed me they would not provide the letter l had requested they thought of it as blackmail ... but if we would agree to pricier terms they would indeed send me a letter stating the terms l had requested. We received the letter and paid the agreed amount. When Accudata reported to the credit bureaus they did not adhere to the agreed terms in the signed settlement letter and had no problems being fraudulent and untrue in the statement letter XXXX XXXX sent to us. They in fact stated the opposite. We had also proved we were not responsible for part of the debt. When l contacted XXXX XXXX she stated to me that she did not attach the comment to my credit and it was not her problem how they added or reported items. The credit bureaus are information gathering institutions and report what is reported to them, so XXXX XXXX you are indeed responsible to report true and accurate information and most definitely should not be fraudulent with signed statement letters claiming to settle, report ... .then do not adhere to the settlement agreement. Collection agencies should not be allowed to operate this way. When the are making a profit from buying a past debt and the original creditor is being paid, how would you even know or care if the facts were true ... your getting paid. l realize XXXX XXXX has a job to do, and deals with all types of individuals. Everyone is not the same. And to ruin an individuals credit for another 7 years, when they are trying to do the right thing just seems wrong. l hope this lnformation will help the public in dealing with Accudata. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Non-federal student loan) with Asset Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Asset Recovery Solutions , LLC claiming that they are collecting on behalf of XXXX. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to XXXX, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with XXXX. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by Asset Recovery Solutions , LLC. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since XXXX has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with XXXX : one for {$4000.00} and the other {$2600.00} are nowhere near the doubled amount this company and XXXX are trying to collect wrongfully from me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Filed a claim for {$63.00} with chase bank on XX/XX/2016 Have called them every single day to fight with them tooth and nail jus to get a temporary credit to my account due to their system being very unreliable to work proficient and efficient! As someone who sacrificed everything for this country in the military, I should not have to come home and fight for my money that XXXX is holding as ransom and screwing up my financial matters!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For many years, I have been paying an extra amount ( {$100.00} I believe ) a month as to pay off my student loans early. Two years ago ( XXXX 2015 ) I was purchasing a home and my lender told me my student loan payments were too high. I called Navient and requested that they return my payments back to the original agreed monthly amount ( $ XXXX ). I was told by the company that this was not possible. The only option they offered was a solution to reduce my payments over the following two years and then increase them. I protested several times and they continued to say that this was the only solution they could offer. My payments have now ballooned to $ XXXX a month. Now that I am aware of the lawsuits against this company I realize I have been defrauded by misinformation. I called them again today and requested that they reset my loan back to the original terms and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the XXXX credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my 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 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I Filed a Complaint with Consumer Financial Protection Bureal concerning XXXX XXXX XXXX and XXXX has Responded and Resolve my Dispute with them and have terminated further collection efforts and closed their file and have notified the bureaus to Delet their trade line from my Credit file this reply I 've received on XXXX XXXX by E-Mail and again by postal service Transunion is the only bureau that had not removed XXXX XXXX XXXX Trade Line from my Credit File in fact Previously to my Notice from XXXX XXXX they was not on my Transunion Credit File until after I 've Received the Notice to Remove XXXX XXXX XXXX from All Bureaus on This Date XXXX/XXXX/2016.

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 06-07-2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am in Chapter XXXX and asked for a payment history for my mortgage from my bank and they wo n't do it unless my attorney sends a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing statement

Complaint: I had a fraudulent charge on my Bank of America charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.

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 04/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (KS).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: 6 years ago they told me a account was in my name and my info. They said the amount the account had on it was  XXXX . I tried to report it as fraud but they would n't do anything about it. They have a address on file that I would not have used since I had a bank account at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: By opinion no need to complain I was advised its up to creditors to observe alert! Frankly if true in my opinion like your agency another hollow protection claimed to help protect the consumers! Rhetorically, I can not concieve how anyone can accept this and allow it for it goes to the heart of an organizations culture! Please try to make that so called fraud alert meaningful! PS I expect nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Tranunion on multiple occasions ( both via telephone and US Mail ) about removing inquiries on my report that I did not authorize. They state that they have verified them. I contacted the creditors and they said Transuion has to remove them. Transunion will not remove these inquiries.

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