milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Problem with fraud alerts or security freezes

Complaint: I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

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 09-08-2016 about Mortgage (FHA mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Credit decision / Underwriting

Complaint: My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.

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 02-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Balance transfer

Complaint: On XXXX XXXX, 2016 I initiated XXXX balance transfers with American Express. Money was successfully transferred to one bank ( XXXX ), but the second transfer was unsuccessful ( XXXX ). American Express transferred {$1000.00} to XXXX and these funds never posted to my XXXX XXXX credit card. I have waited and waited, and inquired continuously about the funds. Each day, I am told ( by AMEX ) that the check has cleared and XXXX is responsible for the missing money. 

Since AMEX insists that the check cleared on XXXX XXXX, I drove to a XXXX branch thinking I 'd be able to clear up the misunderstanding in person. The problem was still not resolved, as XXXX insisted that all they could do was call their " credit card department '' and inquire. On that day, XXXX said that they do not accept electronic transfers and that they are not holding the money. I phoned AMEX with the new information, but nothing happened. In fact, they 've claimed on two different occasions that they would open an investigation and have not followed through. After supposedly opening the last " investigation '' or trace, I was told that there would be no further investigation because the check was showing in the system as cleared. With each call, however, no one can find any disputes or open investigations on my account. Please note that they have also disabled the " online dispute '' feature for this issue as well. After nearly a month of this back and forth, getting transferred from one department to another, and hung up on, I have decided to file this complaint. 

I have called XXXX and American Express everyday with no resolve. I have asked AMEX to confirm receipt of the check by communicating with XXXX. They insist that the receipt is the fact that the check cleared. As well, I have asked XXXX why they have n't notified AMEX, with regards to not accepting this particular electronic transfer. They insist that I must ask AMEX to trace the funds with their bill pay department. After repeated calls to both companies and no help, I would like to hire an attorney. I am beyond frustrated. Unfortunately, I am caught in the middle of two corporations that rely solely on computers and foreign call centers for all their work.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (CT).
Issue: Managing, opening, or closing account

Complaint: I misplaced a rebate card issued by Citi for tires I purchased in XXXX of 2015. When I located the piece of mail and opened it I found the card expired a week earlier. I called Citi to get a new card and was refused being told they XXXX the balance as of the last day of XXXX. The card was for {$70.00}.

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 01/16/2018 about Debt collection (Other debt) with Professional Bureau of Collections of Maryland, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account is fraudulent

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 EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help.
<P/>
Equifax shows XXXX disputed XXXX disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Mortgage (VA mortgage) with Stearns Ventures, LLC (AL).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX XXXX veteran who served my country proudly for 26 years. At the time I purchased my home with a VA loan I had steady employment with the same XXXX company for 18 years and felt secure that I would have no issues affording my home. Unfortunately 3 months after the deal closed I was laid off and for a period of 6 months only had limited income. As a result I struggled financially and defaulted on my mortgage payment. My issue is that my current servicer Stearns is not giving me any options to resolve my delinquency. My hardship was temporary and I am employed again and receiving military pension as well as SSI. I can afford a reasonable payment. However, Stearns has given me the runaround during the last 18 months that I have fought to solve this problem and now I face a foreclosure sale date on XX/XX/XXXX. This is wrong. 

I was a XXXX XXXX XXXX in the XXXX for 26 years. After getting out of the XXXX. I found work as a XXXX XXXX for an XXXX company and worked there for 18 years. We moved to the Florida area in XX/XX/XXXX and I was happy to be able to purchase a home with a VA loan in XX/XX/XXXX. As mentioned, when I closed the deal everything was fine at work, and I was shocked when I was laid off 3 months later after 18 years. I spent a lot of time looking for a new job and finally found work as a XXXX  XXXX about 6  months later. During that time period the only income came from my pension and we struggled financially and fell behind on our bills. I reached out to our servicer at the time XXXX XXXX to attempt to get some assistance through modification or forbearance or repayment plan. We started going through a very laborious process where our documents were continually misplaced, there was no assigned point of contact and a very confusing period with little to no communication. Eventually a review was conducted and I was told we were denied because I made too much money? I then tried to make a lump sum payment of {$6000.00} in order to get back in good standing but Stearns refused to accept this payment. To date they have continued to demand full reinstatement of the whole past due amount. My financial circumstances have changed, I now receive SSI along with my pension and my full time work. I can easily afford a reasonable mortgage payment. The problem is that Stearns is telling me I make too much money so they wo n't give me any choices except pay it all back. However, I do n't have the resources to pay it all back. 

I firmly believe that Stearns is denying access to government programs that should be made available to a homeowner with a VA loan. I am hopeful that your office can intervene on my behalf and help with this matter. I am facing an upcoming sale date and need to save my home, it is the right and fair thing to do.

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 07-06-2017 about Debt collection (Payday loan debt) with EZCORP, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX purchased a previous identity theft fraud account from XXXX. Over 2 years ago, I filed an Identity Theft Affidavit with the FTC to have this debt removed along with a police report from XXXX, Ga Police Department. They have refused to remove this debt and basically ignored FTC documents that were submitted. Since then, I have filed another Identity Theft Affidavit with the FTC and notified all XXXX CRAs. My Identity Theft Affidavit number is XXXX. I sent them copies of my identification and identity theft affidavit. 
*Additionally, I do not want a copy of my stolen driver 's license and stolen checks that the thieves apparently used when they opened this account. That means absolutely nothing as it relates to debt validation in regard to identity theft. That is essentially why it is called identity theft because someone has stolen your identity and acting as you. XXXX seems to believe a copy of your drivers license or checks where the thieves made actual payments means the debt is yours and you are not a victim. That is not ethical business practice and it needs to stop immediately. 
I am requesting that the XXXX XXXX tradeline be deleted from XXXX, XXXX, and XXXX within 7 days or I am proceeding with legal action against XXXX, XXXX, and all others involved in this fraudulent business practice. 

Sincerely, XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with AFNI INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XX/XX/XXXX-exhausted my going back to school defermentXX/XX/XXXX-ca n't lower payments because they take my cosigners income in consideration to my income. Wo n't try anything because his income needs to be added into financial hardship. Which wo n't help because two incomes wo n't show that I 'm i ca n't pay that much. We do n't speak anymore and his income is not my income it 's supporting his family and their expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XX/XX/2017    this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received s Subpoena from a debt collector : XXXX XXXX XXXX to appear on XXXX XXXX, XXXX for a deposition The Subpoena regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The Writ states that I must " continue in witness from day to day unless.discharged by me ''.
This debt is 19 years old and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.

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 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Outdated Tax Lein that was paid off before it went to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with S&S Physician Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent   XXXX   XXXX   a Debt Validation letter which stated that and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. I also asked for them to pro vide me a 1. breakdown of fees including any collection costs and medical charges. 2. Provide me a copy of my signature with the provider of service to release my medical information to you. 3. C ease any credit bureau reporting until the debt has been validated by me.   I am allowed to request this under the FDCPA.     In return i received a generic statement saying that the debt is mine .    XXXX   XXXX   did not provide any of what I was requesting to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with First Data Corporation (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a bank account with XXXX on XXXX/XXXX/XXXX and was told that I had something with Telecheck. So I contact telecheck to inquire. I was informed that I have XXXX checks to XXXX check number XXXX for XXXX on XXXX/XXXX/XXXX and check number XXXX XXXX on XXXX/XXXX/XXXX. I requested a copy of my report and was informed I had to provide my drivers license social security number address and a voided check which I AM not comfortable doing. I have no idea what bank account this is and have never wrote a hot check to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Address shown is not mine nor was it ever, I have requested this be removed but it still appears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (UT).
Issue: Charged fees or interest you didn't expect

Complaint: When I applied for my loan in XXXX of 2016, the Loan Officer that was taking my application filled out half of my application. Things went by vey quickly, and he was marking boxes, and putting in value of different assets himself. After about a year of making payments, the payment amount did not make sense when I calculated the original loan balance and the scheduled payments. It was not until I called the company and asked them why my payments were so high that I was told I had insurance on my loan. I did not approve of this insurance being added onto my loan. I have also asked for statements and amortization schedules on several occassions. I finally did get a payment summary, but never an amortization shedule at any time when I have requested it. I have also tried setting up my account online, but always get an error message. I also noticed on my payment summary there were a couple of payments where {$0.00} was added to my principal balance. Although my interest rate is high 35 %, there is some portion of my payments that should be going to principal. Furthermore, I did not give permission to put insurance on my loan, and again, my Loan Officer filled out half of my loan application. There is no way to get into your account online, and Mariner Finance does not send electronic statements or statements via mail. They never let you know what is going on with your account, and when you ask for information, they don't come through. They have absolutely refused to send me an amortization schedule. Again, I have asked several times, and have NEVER received one.

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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.

Company response to consumer: Closed with explanation