milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX- credit inquiry unauthorized XXXX XXXX- unauthorized inquiry more than once. 

XXXX-unauthorized inquiry XXXX XXXX unauthorized inquiry more than once. 

XXXX unauthorized inquiry XXXX XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry I have contacted each creditor they all have told me to contact transunion and transunion keeps telling me to contact the creditor.

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 09/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: Capital One has inaccurately reported the following months late on my credit reports. 
XXXX reported XX/XX/XXXX and XX/XX/XXXX. 
XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (Store credit card) with Colony Brands, Inc. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been going around with navient/XXXX XXXX for years, i graduated XXXX school but can not pass my boards so i make {$13.00} an hr on govt assistance i have a daughter and they will Not work with me they set a payment i can not afford and said oay it or well sue you

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with BB&T CORPORATION (SC).
Issue: Advertising and marketing

Complaint: The XXXX XXXX BB & T offer I opened a XXXX account for was 90 days of triple points for new XXXX card accounts. At about 70 days, the triple points stopped being posted to my account. I contacted them and they said that the triple point days begin on the day they internally " approved '' the application in their process. However I did n't received the credit card until 2 weeks later and immediately activated it. No one can possibly use a credit card before they even get it. To base the start date on the day the application is " internally approved '' at BBT means the customer will never be able to get 90 days triple points and is dishonest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient keeps calling me on my cell phone and home phone, 5 to 10 times a day, everyday! Its about a student loan that my daughter took out in XX/XX/XXXX. She forged my signature and got {$3500.00}. I am XXXX and have been since XX/XX/XXXX. I can not pay this loan. I thought my daughter took care of this debt. I have reported her forging my signature for this co-signing of this loan. I am still being harassed by Navient. They only make it more miserable for me to XXXX and worry about how these poor people will get their money. They are very rude and insulting with every harassing phone call to me. Especially the last women I spoke with just a couple hours ago. She insulted me and repeatedly yelled at me, In no way was she professional during her harassing call to me. First it was XXXX harassing me everyday, now its Navient. I would really appreciate it if people were notified before they get these loans that XXXX is privately owned and does n't have to follow any federal regulations!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I purchased a condo at XXXX XXXX XXXX XXXX, XXXX. After six months of living in the building, the developer had sold the remaining units and relinquished control of the building to the HOA. I did n't know this at the time, but the original lender, XXXX based in XXXX XXXX, Florida had falsified loan documents for many of the residents that purchased condos. Many of the new condo owners did n't even have jobs. So when it came time to pay the monthly HOA fees, only about XXXX % of the building 's residents were paying. By XX/XX/XXXX, the HOA had no money to maintain the building, and things started to get ugly. Elevators broke, vandalism ensued, trash was n't being collected and electricity was being turned off. It was at this point that I fled my condo and moved into an apartment. Two months later XX/XX/XXXX, the City of XXXX - for the first time in the history of the city - came in and condemned the building while occupants were still living in it. All units and building entrances were boarded up and the building has been in that state since then. I note that to this day, the City of XXXX has not given me anything in writing regarding the condemnation. When I went to the Dept of Unsafe Buildings XX/XX/XXXX at XXXX City Hall, I was told that they did n't condemn the building! Not sure who did, but this is what I 've had to work with. 
My original loan with XXXX XXXX Mortgage, who was also charged with fraud in a number of other projects they did ( XXXX ) was sold to XXXX, which eventually became XXXX XXXX XXXX . XXXX XXXX XXXX held the note on my condo for six years and although I repeatedly tried to enter into a deed-in-lieu of foreclosure process, the bank was unwilling to assist. XX/XX/XXXX, XXXX XXXX XXXX sold my note to Carrington Mortgage Services, which then tried to foreclose on me XX/XX/XXXX. For some reason, the foreclosure was thrown out by the judge in court, so the process went to a standstill yet again. 
It is now XX/XX/XXXX. I have been trying to foreclose or do a deed-in-lieu of foreclosure for NINE years. This process has caused immeasurable amounts of XXXX, has all but destroyed my credit, and has made it impossible for me to buy a home. While I have tried repeatedly to work with Carrington Mortgage Services regarding a deed-in-lieu, they continue to be unhelpful and uninformed. They call me every other week to ask when I am going to pay my debt. They mail me bills every other week as well. I can not pay off a mortgage that is tied to condemned asset as it can not be lived in, rented or sold. I am desperate for help and no longer know where to turn. Please assist if you are able.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted at XXXX CST by a XXXX XXXX . She asked about an outstanding invoice with XXXX XXXX. She asked if I was having financial difficulty, I told her no, that my contract ended. I was obligated to pay 6 months, I paid that. She asked if I read the terms and conditions of my contract, I explained that I had. I told her I had a copy of my contract I would send her that states the effective end date and a highlighted portion that shows the automatic rollover clause was NOT effective per my request. XXXX said I had to pay immediately, I told her I was not paying something I did not agree to pay, when I hung up the phone, she immediately called back, I sent the call to VM. XXXX then called back immediately a XXXX time.I sent that to voicemail. She the called my employer, asked for " Who ever was over me '' and then complained that I was rude.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with Global Credit & Collection Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried to contact Global credit to inform them of the inaccuracy of this collection account and have not received a response from them. The telephone numbers that are listed on my credit report and on the internet for them is incorrect. I am requesting that the information that is being provided by Global Credit be ceased and desisted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with Northstar Location Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a cease and desist of telephonic communication on XXXX XXXX, I did NOT make any promise or pledge to make any payment arrangements. They sent me a letter lying about my communication to them and stating that I had made an agreement to pay them. This is a violation of the FDCPA.

Company response to consumer: Closed
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian, Over the past 3 years I have completed the required process of disputing information on my credit reports. XXXX XXXX and XXXX adequately investigated and updated and removed items in question. Experian for the past 3 years has either not responded, stated investigation complete and items remains with no explanation, Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Items well past statute of limitations have not been removed after multiple requests. I do not know what more I can do. I will be filing a complaint with my state attorney generals office as well as I will be retaining legal counsel on this matter if not resolved. Under federal law, credit reporting bureaus are required to conduct reasonable re investigations of complaints instead Experian does not investigate nor verify inaccuracies. I have had to pay their monthly fees consistently with them continuing to try and sell more products to me. I have sent these letter multiple times over the past 3 years. Most recent dispute letters and supporting information will be uploaded.

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 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.

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 07-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Dear Sir : We have filed a previous complaint # XXXX, even though we were refunded the missing funds, we expected and demanded some sort of compensation, which was completely ignored, we left two messages with the executive that called us XXXX XXXX XXXX at Chase telephone # XXXX XXXX XXXX XXXX Under cover I am enclosing a letter from Chase wherein they gave us the " run around '' I walked to our bank which is quite a distance from our house in the sweltering heat, and spent a half a day attempting to clear this mess, the Bank Manager himself was very surprised that this case was not immediately resolved. In order for us to be completely satisfied we expect some monetary compensation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had a vehicle loan with GM Financial ( Acct # XXXX ) which I refinanced to XXXX XXXX XXXX XXXX XXXX XXXX last month. At the time I refinanced my payoff amount with GM Financial was {$28000.00} and XXXX XXXX XXXX XXXX XXXX XXXX wrote them a check for that amount on X/X/17. GM Financial cashed tgat check on X/XX/17 but has not applied the funds to my account, trying to charge me the full balance of my loan plus additional interest since the time of refinance. They initially tried to tell me that the bank reversed the payoff but I have proof that the check was cashed by them. I have made numerous calls to GM Financial, as well as my bank, and faced GM proof that they deposited the check written to them like they requested. They still have not applied the funds they have recieved to my account resulting in me being charged on two loans for double the amount I should actually owe. This has also adversely effected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I originally looked up the phone number of NAVIENT online on my computer. XXXX XXXX is who answered my call. I asked him why my recent statement from NAVIENT did not reflect my past payments. He stated what I needed was a new loan, that decreased my capitalized interest debt to better cover my loan. He said he could do the paperwork, submit it, and deducted {$790.00} from my bank account. This was on XX/XX/XXXX. 

I later received a letter from NAVIENT, dated XX/XX/XXXX, stating that my NEW loan was denied because I was not within the 90 days of my re-up date on my PRESENT loan. I then called XXXX XXXX again to straighten this out, and get my money back. The number for XXXX XXXX first went unanswered. I called his number repeatedly. On the last two attempts, I reached a voice mail asking me to leave a message ; which I did. The recorded message said I had reached XXXX XXXX XXXX. This is the third party administrator who does all of the loan paperwork. 

When I first spoke with XXXX XXXX, I thought I was speaking to NAVIENT. That was the phone number I had called to start with. He looked at my NAVIENT account, he had all of my information in front of him, he should have known that I was not within my 90 day window to change the terms of my student loan. If that was such a deal breaker why did n't he just say that in the first place?

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 CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Upon apply for capital one when I received the offer it said that I would receive rewards, when I applied and got approved after getting the card I realized it was a diff card than I thought I was getting and I called and No rewards for that card. That 's false advertising, I would like my complete debt to be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS. MY INTEREST RATE IS OVER 20 %, I HAVE FEES ASSOCIATED WITH MY ACCOUNT OVER {$800.00} WORTH OF FEES THAT CA N'T BE EXPLAINED, THEY TELL ME THEY CHARGE INTEREST PER DAY YOU ARE LATE, CAUSING ALL KIND OF EXCESS DEES ON MY LOAN, I HAVE HAS THIS VEHICLE SINCE  XXXX   XXXX , ORIGINAL BALANCE WAS  XXXX  AND IT 'S NOW  XXXX   XXXX , MY BALANCE IS STILL  XXXX  AND NO ONE AT THIS COMPANY CAN EXPLAIN TO ME WHATS GOING ON. THEY CLAIM IT 'S DUE TO LATE PAYMENTS, I GOT EXTENTIONS WITH THIS COMPANY AND FOR THAT TIME, THE PAYMENTS WAS SUPPOSE TO BE PUT ON THE END OF THE LOAN, DATES ARE  XXXX ,  XXXX . HOWEVER, THE LATE ITS 'S SHOWING LATE PAYMENTS FOR THE MONTHS I GOT EXTENTIONS FOR, I HAVE ASKED THIS COMPANY TO REMOVE THE LATE PAYMENTS FROM MY ACCOUNT ON SEVERAL OCCASIONS AND THEY ARE RUDE AND ALL THEY TELL ME IT 'S NOTHING THEY CAN DO, THIS IS SHOWING UP NEGATIVE ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit.
XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Equifax Creditor Name/Inquiry Date XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor/date of inquiry XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Mortgage (Other mortgage) with Quality Loan Service Corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: Bought a home and got a Grant Deed, then there was a loan agreement to sign, it was not after all it was a security agreement instrument that i did not see at closing, only part where is said XXXX- rider, i called title a few years later and asked if i could get all docs, she sent them, and saw that my name was forged on the security instrument and she said it looked like there were two closings. I only went to one. The originator was from XXXX XXXX XXXX and went out of business 1 month after however there is a parent company think it is called XXXX. As you will see on the XXXX rider the first signature is mine sideways, but all other below and initials are not mine, it is larger and rounder letters. Not sure if XXXX or whom did it. California Penal Code Section 115 ( a ) It is a felony to knowingly file a gorged or false document with any public office. Now title and county records is part of this crime against me. My home is being sold at auction and aiding and abetting this crime. XXXX, XXXX, XXXX XXXX XXXX XXXX, Quality Loan Servicing Corp., XXXX XXXX XXXX XXXX XXXX parent Company. I need the trustee sale stopped asap, and my claim paid that was sent to me by XXXX for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan. Only a fraud security instrument, and non-disclosure of showing me what they were doing XXXX or XXXX. Here is the documentation, i am not in court if i do go back it will be to impeach the judge for treason, she dismissed the case for no Jurisdiction. It has been 10 years fighting against deaf ears, the Trump admin. has my docs now. Please help immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation