milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: The is was a Private Student loan I got when I was attending XXXX XXXX in XXXX back in 2007. I had to drop out of school due to me losing my job and trying to stay afloat and provide for my family. My financial situation got so bad I had to file chapter XXXX bankruptcy.. At the time that Private Student loan was with XXXX XXXX XXXX Once the bankruptcy was clear I started to pay them back month but XXXX XXXX was still reporting negative things on my credit report preventing my credit to rebuild and I was unable to go back to school.. I made countless attempts for them to stop reporting negatively while I was still paying but the negative reports continued. Since I was n't getting anywhere with XXXX XXXX I decided to give up. Since then the account was taking over by a company called Navient once this happen I started to get nasty phone calls from collection companies threatening to garnish my wages. I let them know I can not afford to pay them monthly due to me living pay check to pay check. I also let them know I do n't have any money to settle this account. Once Navient took over the account they reopen the account on my credit report started to report delinquent every month and now they are placing this account as a open Collections account. I had to relocate for work so I can continue to make money but I 'm getting hunted with this in my new state. I can not even get a place to live I have to stay with friends and family..

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing numerous accounts that has been reported on my credit profile for awhile now. None of these corporations has been able to verify nor validate these accounts to me but somehow Experian stated that they have been verified and validated ; which is not true which is a violation of the FDCPA providing false and misrepresentation of information. They sent me a letter dated XX/XX/2017 stating that they will not reinvestigate the information but has failed to send me any documentation to verify and validate these accounts and has continued to report this information on my credit profile which is another violation of FDCPA. I have never given Experian the authority to report my personal private information which is IDENTITY THEFT.

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 02-09-2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with this XXXX  I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: For the past eight years I have been incarcerated. Just prior to my release the institution had us to check our credit reports. Upon doing so I discovered that there many accounts I could not have opened because I was incarcerated at the time. I sent off letters to the XXXX agencies and I have had a very hard time getting my reports. Experian refuses to give me a a report because they say they cant confirm my address. On XXXX occasions I have faxed them my bank statements both of which have my address. I also sent them a notarized affidavit signed by a prison official attesting to the fact that the address I gave them would be my release address and that there was no way I could have procured the credit because I was incarcerated. Experian and XXXX give me test questions to verify my identity however the questions they ask are based on the fraud items which are on my account hence I do n't know the answers. Furthermore it is my understanding that if XXXX credit bureau deletes an item they are supposed to notify the other XXXX bureaus so they too can remove the item this has not happened. On XXXX XXXX I spent the ENTIRE day on the phone with Experian and XXXX trying to get them to release a block that I asked them to put on. In the case of Experian once again they asked for documents to be faxed and once again I sent the bank statements, affidavits, birth certificate and social security card. On the XXXX I was trying to get them to lift the freeze so an employer could check my file and so that my family could assist me in getting a car. The Experian rep thought it was amusing and I assure you there is nothing funny about my plight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber had me work with them doing a loan modification. I submitted my documentation multiple times over and over again and I documented every call and every submission I sent. They continued the foreclosure process ( dual tracking ) as they were working on my loan modification. I have a foreclosure date of XXXX XXXX and very little time to do anything other file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: There are 3 accounts on my Experian credit reports that do not belong to me. I have disputed these accounts and they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX XXXX # XXXX, 2. XXXX Acct # XXXX, 3.  XXXX XXXX Acct # XXXX. These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an incorrectly reported payment on my XXXX XXXX report for XXXX of XXXX. I contacted XXXX XXXX and they agreed to remove the late payment. They contacted all 3 Bureaus and it was removed. A couple of weeks later Equifax put the late payment back and now refuses to remove it. I sent them a copy of the letter XXXX XXXX Sent me as a " letter of credit '' removing the late payment and had XXXX XXXX send them another request and they have not removed this payment yet. XXXX and XXXX  removed the late payment with no issue and have not attempted to place back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Consumer Loan (Vehicle lease) with Experian Information Solutions Inc. (OH).
Issue: Managing the loan or lease

Complaint: My complaint is with Experian, XXXX and XXXX about an account on my credit report listed under XXXX XXXX. The bureaus are damaging my character and an overly burdensome task to have this rectified. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to 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 explanation
Consumer complaint received 03-11-2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received an initial written letter via mail regarding a debt I owe from XXXX, XXXX, and XXXX dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXXof each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/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 01-10-2018 about Vehicle loan or lease (Loan) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2014 my husband and I bought a mini van from XXXX XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied International Credit Corp sent a letter claiming I owed {$50.00} on an XXXX account and asking for payment. They claim previous attempts to resolve the issue, but it 's the first I 've heard of it.. They provide no details of the alleged transaction, and in fact I 've never used XXXX. It seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (FL).
Issue: Taking out the loan or lease

Complaint: I received a preapproval offer in the mail from Avant. I decided to apply online with the preapproval code they gave me and was informed based on my credit ( they pulled online during application process ) I was approved for XXXX. I did not need XXXX but applied for XXXX instead. They asked me for my personal bank account information such as account number and routing number. I thought this was a bit odd but I complied. For the next several days the website informed me that my documentation was in process. I received several phone calls from them asking me the same questions ad nauseum. I found this a bit unprofessional and lends to my reason for filing this report. This morning I received a denial. I 've been denied before, but I am a little concerned when a bank asks me pertinent information with regard to me bank account without actually approving me. I am inquiring as to whether or not this is a standard banking practice. If not, what are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (ID).
Issue: Charged fees or interest you didn't expect

Complaint: I got a loan for XXXX from this company. They had pull ed two payments from my acct equaling XXXX plus dollars. You would think my loan would be down to roughly XXXX dollars left to pay but it wasn't, I called the company to get a balance and the balance was over XXXX due to " fees '' and outrageous interest 299 %. I know these kind of loan company 's have been getting shut down due to their fraudulent activities and ripping people off, making an agreement they know is impossible to paynoff in payments etc ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/XXXX/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 explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit with Barclay. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due

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 02/28/2017 about Payday loan () with Bliksum, LLC (DE).
Issue: Can't contact lender

Complaint: Lender is calling my job repeatedly will not stop harassing ... threatens to come to my job or home ... .is rude and nasty ... when I hung up on him he calls back repeatedly at my job ... .he calls different extensions at my office ... .I work at a XXXX for a XXXX ... .it is crazy I am fearful of loosing my job Called Loanme.com XXXX other number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 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 repeatedly asked for an update to credit report with all   XXXX   credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have   XXXX     XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously submitted the following complaint : I applied for one credit card with US Bank on XXXX XXXX, XXXX. The bank ended up submitting 4 credit inquiries on my XXXX  credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, I received a response from the Office of the President. I 've attached the letter. In essence, it states that the offending inquiries have been removed. However, this is not true. I ran my most recent XXXX credit report. As of XXXX/XXXX/XXXX, the following inquiries still appear on my report : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please remove these inquiries ASAP.

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 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. XXXX of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX XXXX Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Transunion but they fail to delete these cards stating that XXXX on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my XXXX or XXXX time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried lowering my payment multiple times with navient however they always tell me a low payment that sounds good to me that I can make and then send me a link. When I go to the link the information never matches and then when I call navient back they act like the conversation that I had with a previous person never happened. I just want a lower payment so I do n't have to stress about being able to have enough money to eat and pay bills. Credit is very important and I hate thinking that I struggle to just stay a float.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not 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 09/15/2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Noticed this account on my report and I 've never heard of this company or even know who they are collecting on the behalf of, they have never sent anything, just added this errenous account to my report as a collection.

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