milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had numerous conversations with  XXXX  regarding my account #   XXXX   XXXX   XXXX   XXXX   - Which was  an  old  XXXX  account that was  converted in to  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Money Recovery Nationwide is reporting to XXXX credit bureaus XXXX erroneous accounts that have not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous certified letters t o Portfolio Recovery Associates LLC t o   XXXX   XXXX     XXXX   XXXX , VS  XXXX  requesting verification of debt. I request my contractual agreement bearing my signature. Letters was sent on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  and another certified letter on  XXXX / XXXX / 2017 . I have been a victim of fraud before this is why I have request my contractual agreement from this company to verify this debt belong to me. They refuse to send this agreement bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: LastXX/XX/XXXX, I had received a letter in the mail from Navient asking that I call to handle something on my account for the coming tax year. When I called, the gentleman I spoke with gave me the good news that my subsidized Stafford loan would be paid off in XX/XX/XXXXof this year ( XX/XX/XXXX ), thus lowering my overall payment by approximately {$50.00}. I remember logging into my account to see this for myself, and sure enough, it was nearly paid off. However, I have noticed the last four months that the balance has increased from that point, and I am still paying on a loan that I was told was nearly entirely paid. Because I can not access past statements and because this was discussed with a Navient employee over the phone, I have no way to prove this. I do n't know what to do, but I know I am being taken advantage of. Please help me uncover the truth so I can get this corrected and so it does not happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XXXX XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to XXXX. I have been getting the run around since XXXX and no one seems to not know what to do. FInally in early XXXX, someone responds to the bbb complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and XXXX is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital One is reporting incorrect information to my credit report. They have not updated my report since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Costco has changed credit card providers, from XXXX XXXX to XXXX XXXX I do not wish to have a credit card from XXXX. I contacted Costco and informed them of this and was told they could do nothing. My only 'choices ' were to cancel the XXXX XXXX account prior to XXXX XXXX 2016 ( with a concurrent 'hit ' on my credit rating ), wait till XXXX XXXX 2016 and cancel the City card ( with a concurrent 'hit ' on my credit rating ) or resign from Costco, thus spending more money than normal for the items I purchase. First, I am not a 'chattel ' that can be bought and sold on a business basis. The attitude of Costco and XXXX may differ on this. Second, I can only be burdened with debt by my choice - not that of a business. Third, I will suffer a loss of creditworthiness if I take the XXXX cancellation options presented to me. I feel that I have the right to say " NO '' to the new card without any credit rating penalty. Respectfully request that you prevent the transfer of any accounts from occurring without the account holders permission. 

While not an XXXX XXXX service member, I am a XXXX service member

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 12/24/2016 about Bank account or service ((CD) Certificate of deposit) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: Used BB & T Investment services. Invested {$30000.00} into XXXX indexed brokered CD product starting XX/XX/2010. At maturity BB & T claimed that there was no return whatsoever, despite a colleague checking on the product annually to see how it was doing. Would like bank investigated in regards to this.

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 09-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This account was discharged in bankruptcy XX/XX/2010 over six years ago. The account was XXXX INC AND RECENTLY TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX ( a collection agency for XXXX ) has sent a threatening letter demanding payment for really I have no clue what. It does n't break down what its for or why we owe this amount. Its been over 7 years since we had XXXX service at a home that was discharged in the bankruptcy as well. Ive since contacted my lawyer and if another letter is sent we can sue and get paid for harassment. After all bankruptcy is hard but its for a fresh start and not to be harassed nearly 7 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XXXX 3. Has reported late payments for entire year of XXXX on an account that last payment was in XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XXXX or XXXX ( but is reporting usage ) 6. They state that they will report until XXXX XXXX, and account was due to stop reporting XXXX XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )

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 08-06-2015 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX of PNC Bank, Executive Relations Division did not give me a reason why my business account was shut down-closed on XXXX separate occasions, causing numerous checks to be returned and electronic checks to go unpaid. The bank has not shown anything in writing where they compensated me for the fees that they caused because the account was closed. XXXX XXXX has taken it upon herself, after several attempts at explaining the situation, but she choses to be judge, jury and executioner in this matter. 
I have copy of correspondences where I have asked her to get the details rights and act appropriately, but she has not. PNC Bank is not acting in a fair manner, and I have not been given due process. The company along with XXXX XXXX has not acted in a way in which they are trying to assist and help small businesses. I feel the bank is liable for all the inflicted suffering that they have put the company through. I would also like to inform you that the Merchant 's Account was also shut down causing deposits to " not go into the account '', thus causing chaos and monies not being deposited in the business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with United Check Recovery Bureau, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by XXXX with United Check Recovery Bureau. I asked him to remove my number and to not contact me further and he refused and continued to talk with me about the debt of a former spouse. I asked him again and he continued to harass me and not acknowledge my request to remove my number. 

I finally told him I was going to file a complaint he became rude and laughed at me and said " File a complain with who? '' I told him the FTC and at that point he decided to listen to my request to remove my number. 

He was trying to be intimidating after I had already told him 2 days earlier that I am divorced and not responsible for the debt. 

The phone number that dialed me from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian is delaying my request for investigation and providing Method of Verification by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond rule. By law, the following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Experian ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX/XXXX/XXXX BK CHPT 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (NC).
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: * THIS IS NOT A DUPLICATE COMPLAINT * My initial complaint was closed on XX/XX/XXXXwithout Ocwen Loan Servicing taking all the needed action to have their credit item expunged from my credit file.

Initial Complaint Details Complaint number : XXXX   Date submitted to CFPB : XX/XX/XXXX Ocwen Loan Servicing did not address in their correspondence letter datedXX/XX/XXXX that they were going to update the first Delinquency Date to XX/XX/XXXX ( they are reporting XX/XX/XXXX ) with the credit bureaus : XXXX, XXXX, XXXX and XXXX. This credit item needs to be purged due to age of first delinquency. Ocwen only handled half of my first complaint, which was to report that I was 180 days past due on XX/XX/XXXX.

Further, Ocwen has already admitted, in writing which I attached, that they first acquired servicing rights on XX/XX/XXXX from XXXX XXXX XXXX  with a loan due for XX/XX/XXXX. This is an undisputed fact that they already substantiated.

Ocwen Loan Servicing, LLC also incorrectly reported they transferred my account to XXXX XXXX XXXX  onXX/XX/XXXX. My account was transferred on XX/XX/XXXX.

You may reach out to either XXXX XXXX ( XXXX  ) XXXX in the Ocwen Office of Ombudsman or XXXX XXXX   in the Ocwen Office of Ombudsman ( 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 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called Transunion and spoke to XXXX XXXX. I informed her that several inquiries on my report were reinserted on my report after previously being deleted. I got this information at the result of my credit monitoring. The inquires are : 1. XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX and XXXX/XXXX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8. XXXX XX/XX/XXXX, 9. XXXX XXXX XX/XX/XXXX, 10. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 11. XXXX XX/XX/XXXX. I asked XXXX XXXX to permanently remove the reinserted items but she refused, even after confirming they were removed and then reinserted. I expected Transunion to follow the laws that are in place to protect us consumers.

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 05-07-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Today I tried to request my free credit report and was denied access because the information that I checked off appeared to be wrong. I have not requested a credit report for more than a year and I fear that my social security number has been compromised. Furthermore, I believe that someone has taken out a mortgage in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX. Consider keeping your old accounts open. 
***REMEMBERING ''THE BELOW STATEMENT FROM EXPERIAN '' ... ... ***The length of your credit history is considered by many credit scoring models, so your old accounts may be doing more for you than you realize. The longer that your positive payment history is, the better it can look to creditors trying to discover how long you 've handled credit responsibly, and have been in good standing. Old open accounts can show creditors you have been savvy with your credit use for an extended period of time, which can make them feel more at ease. 

***PLEASE HAVE ''EXPERIAN CREDIT AGENCY '', TO PUT BACK ON MY CREDIT REPORT THE OLD ( XX/XX/XXXX EXTABLISHED ... WITH ''XXXX CREDIT CARD '' ... .THRU XXXX ... .THAT WAS TAKEN OVER BY : XXXX XXXX. 
I NEVER MISSED ANY PAYMENTS ... ... NEVER LATE SINCE XX/XX/XXXX. WHY? WAS THIS TAKEN OFF ....? I NEVER MEANT FOR THIS ITEM TO BE TAKEN OFF BY ''EXPERIAN ''. 

PLEASE RESTORE THIS ITEM, WHICH WILL IMPROVE MY CREDIT SCORE, WHICH NOW STANDS AT : XXXX ... ... ... ( REMEMBER I WAS AT : HIGH OF XXXX .... ( XXXX ... .XX/XX/XXXX ... ... WHEN I WENT TO XXXX TO GET MARRIED & HAVE MY SON. 
CAME BACK TO FIND THERE HAD BEEN XXXX COMMITTED ON MY SSAN & NAME. 
PLEASE ADD THIS CLOSED CREDIT CARD FROM : ''XXXX '' ... .. ( XXXX XXXX CREDIT CARD ) ... ... RESTORE TO MY CREDIT FILE. 
Thanks., XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. Below is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ) credit XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my XXXX XXXX and Experian credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about 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 08/22/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been struggling to pay my student loans. I am XXXX and the options that Nelnet is offering me just brings my balance higher every time they report to the credit buearus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Genesis Lending (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I qualified for loan forgiveness for fraudulent private school loans offered by XXXX University by Genesis Student Lending. I was not notified that loan forgiveness and refunds for payments made was being offered or even of issue ( a pending suit in 2015 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation