milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Riverwalk Financial Corporation (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call at XXXX from an individual working for XXXX at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
-XXXX are you aware that your social security number starting with ... and last four digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from XXXX, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with Deville MGNT, which is the company that contracted XXXX and inform them about what has happened. The manager did n't think XXXX said anything inappropriate and in fact, kept telling me that I had to pay the bill and that XXXX had the right to collect my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with Allied Interstate LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

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 04/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my Equifax report the exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was on a forbearance due to the XXXX XXXX and I noticed the loan grew, when I asked why someone was suppose to call me back but never did.  XX/XX/XXXX.  I went back to school in XX/XX/XXXX and I see another loan for XXXX more dollars.  I asked to consolidate my loans because, I make less money now and was denied.  I got a bill due for this month but I can not get anyone to address the XXXX.  I also got a notification that the school is being closed and any paper work may be lost.  I told Navient this and they said that I would not have to pay it probably, but I can not get anything in writing.  I do not want my credit affected by this.  Thanks for anything you can do for me, I just want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with Ingo Money, Inc. (CT).
Issue: Unexpected or other fees

Complaint: On XXXX XXXX th I used my card to deposit my birthday check threw taking pictures of it threw Ingo money must be there 3 rd party person who does the checks on XXXX XXXX XXXX I called to see if they could cash the check faster I didnt realize it took so long to cash and I needed the money when they couldnt get it to go faster I asked for the check to be canceled so I could go cash it! I went and cashed not thinking anything because I canceled it already on the XXXX XXXX of XXXX I got my daily amount text with an amount on there I thought it was chil support payment so I took the cash out and paid a little on 2 bills long story short it wasnt child support payment at all they went and cashed the check even though I had already cashed it I called them to figure out what happen and I get hung up on or the rudest people ever speak to me I cant get to a supervisor because I get hung up on this is getting no where and it needs to be cleared up ASAP I need help

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (VA mortgage) with Vitek Real Estate Industries Group, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have been trying to pay my mortgage to Vitek since mid-XXXX. Because I was over 30 days late, my mortgage company 's automated telephone system would n't allow my to make a payment by phone. I 've tried to pay online, but I 'm not allowed to do that either. Apparently I must speak with a live person to pay my mortgage. However, I have called their customer service number dozens of times and spent anywhere from 5 minutes to 38 minutes on hold each time, and a live person has never come on the line. I have sent three emails asking for assistance and have not received a telephone call back. They have told me via email that someone will call me, but nobody has called me. I have not mailed a check to them because I am attempting to call daily and I do n't wish to accidentally double pay, and I also do not trust this company to apply the payment correctly. They advertise that you may pay your mortgage online or by telephone, but I 've been trying for months and have n't been able to do so. I now owe them four monthly mortgage payments, my credit rating is no doubt destroyed, and I am very concerned they will or have begun foreclosure proceedings, all because their automated online and telephone systems will not accept my payment. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have filed numerous disputes, information gets updated/corrected, then gets changed back to incorrect information. After numerous calls and discussions with several manager-level Equifax employees, nothing is resolved. For example, I have submitted documents that support my personal information. In this instance my 'name ' is XXXX XXXX XXXX , NO - suffix XXXX.. Equifax claims that a creditor is reporting the information but I have verified that none of my current creditors are reporting a suffix on my name. 

In addition, multiple credit accounts not being reported correctly such as status, balances, etc. I have called XXXX 's, XXXX, XXXX, XXXX XXXX and they all state that Equifax is a nightmare when it comes to reporting correct information. 

Also, all information is reporting correctly on XXXX, XXXX, and XXXX. This problem is only indigenous to Equifax. I have been checking my report on a daily basis, submitting new disputes, having creditors re-report the correct information. However, Equifax dispute system does not function properly. I am exhausted from this serious matter, please investigate this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they hae on file for me. There are 3 different accounts ( XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$1400.00} and XX/XX/XXXX for {$410.00} ) they supposedly have on file for me. They keep calling and reporting false information to my credit file. They have not sent are VALIDATION to me and instead sent a letter that they have VERIFIED that I have dept with them. Two of the 3 accounts are listed on my credit file and I am not even responsible for debt even dated back that late in time. I would appreciate if they would cease trying to collect falsified debt from me and remove those false accounts they say I have with them from my credit file. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX  and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with The CBE Group, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pay all my bills on time and I find it outrageous that i have a debt XXXX from a company I have no dealings with. I need answer as of why this on my credit report and why I was never contacted about this debt. I called my utilities suppliers and they have no clue of any debt because I again pay my bills on time. I will not take this lightly and I will take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This credit reporting agency is still reporting I have a balance for XXXX XXXX. I paid the account off in full.

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 01-10-2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was a victim of identity theft on or about XX/XX/2016. At that time, I got a bill from XXXX for new cell phone service and an iPhone. I have never had service with XXXX and have never owned a personal iPhone. I contacted XXXX and filed a fraud report. I reported the fraud to my local police station as well. XXXX quickly determined the charges against my credit card were fraudulent and relieved me of any responsibility for payment. 
I initiated credit monitoring with Equifax in XX/XX/2016 after the identity theft incident. I noticed XXXX had run a credit check on me pursuant to the fraudulent phone and service purchase. I spoke with an Equifax representative regarding removal of the credit report. He told me that XXXX would need to contact Equifax to confirm that the credit report had been run pursuant to fraudulent activity. I called XXXX and their representative said that this information had already been provided to Equifax. However, when I spoke with Equifax, they said XXXX had never contacted them and that they would not accept a letter I had received from XXXX as proof that the credit check had been run as a result of fraud. I called XXXX back and they said that since they had already provided the information to Equifax, they would not do so again. I disputed the report with Equifax but they refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted XXXX XXXX who removed them all which raised my score and reduced my number of inquiries. I contacted Equifax and they said they are factual. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Non-federal student loan) with ConServe (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The below information was also sent directly to XXXX XXXX on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my XXXX card. I was informed by several agents both with XXXX Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my Transunion account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my TransUnion account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to  understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my TransUnion account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

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