milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: GREETINGS TO YOU, XXXX XXXX XXXX REGARDING THE ABOVE CASE NUMBER, I SENT TO THE FEDERAL TRADE COMMISSION AN ID THEFT MATTER REGARDING XXXX ON MY CREDIT REPORT 3 WEEKS AGO. 




REGARDING EQUIFAX , XXXX AND XXXX, I REPILED TO THE FEDERAL TRADE COMMISSION. 




I PLEASE NEED FURTHER ASSISTANCE WITH THE CREDIT REPORTS ABOVE AND YOUR SENT TO THE FTC. 




I WILL RETURN A CALL TO YOU OFFICE AFTER THE FEDERAL GOVERNMENT HOLIDAY. 




RESPECTFULLY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I had about {$5.00} remaining in an old bank account I was not using. Another company extracted an {$8.00} payment from that account because they had the account information from 2 years ago and I did not realized that the credit card I had been using for auto pay for an $ 8 monthly payment had just expired. Low and behold, my + {$5.00} turned into {$160.00} of Citizen 's Bank charges. They charged me XXXX {$35.00} charges in overdraft fees and another XXXX {$7.00} charges over the course of the next 20 days. When I finally received my hard copy of the charges in the mail, I contacted XXXX and they said they 'd refund me {$35.00} but thats all they could do. Crooks!!! Stole {$120.00} from me because their policy allowed and INSTRUCTS them to do it! Never again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Delinquent account

Complaint: we had a chase bank credit card i thought this card was paid off back approx XX/XX/XXXX its now XX/XX/XXXX and XXXX service files a garnishment against me, i called them and XXXX said it already done and hung up on me that was XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied for a charity assistance with this debt twice with XXXX and was still sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX   XXXX  is supposed to be a closed account you closed it and re opened it and it dropped m y credit score afte r I already filed an complaint and it reported as a closed account that 's charges off what 's the problem it 's closed on both  XXXX  and  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 01/27/2018 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2016 about Debt collection (Medical) with Financial Data Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My school closed down after I went back after my medical leave I had XXXX. I was in school at XXXX in XXXX Tx XXXX XXXX XXXX. I have reached out to so many people asking and begging for help. How can they do this I have read where its against the law to charge a student once the school has closed down. They have also sold my file to Navient that was one of the worst mistakes because not only was I " NOT '' notified about XXXX selling my file I 'm now with a company that 's being sued for so much wrong doing. I called Navient they could n't even verify my loans with the schools. The school is no longer there its been closed for some years now. I 'm going to speak with a attorney tomorrow because this is horrible and stopping be from so much in my life not to mention its so against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with PAYPAL HOLDINGS INC. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Inquiries from Paypal Credit was placed on my credit reports ( XXXX, XXXX and XXXX ) and it was not authorized by me. I believe this to be fraudulent and I wish this inquiry to be removed from all three credit reports. The dates of these unauthorized inquiries are as follows : XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX/XXXX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding LLC, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$160.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (VA).
Issue: Settlement process and costs

Complaint: I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 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: ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has sent a refusal to investigate my credit file claiming a Suspicious Request, no less than 3 times, which could be no more than a typo. XXXX and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one Additionally, Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$130.00} XXXX XXXX XXXX/XXXX/XXXX {$980.00} XXXX XXXX XXXX/XXXX/XXXX {$940.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BKPT CHXXXX

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: In XXXX of 2007 I sold a business that I co-owned, it was sold under legal contract, to the other co-owner. From that time the new owner had 30 days to remove me from all items related to that company. Unknown to me this never happened per the contract, as we were not speaking, due to the fact that I was assaulted by my business partner. Fast forward eight years and the new owner quite paying their bills. At that time, I was contacted for collection since my name was never removed from the sold business as it was suppose to be. A court case was opened and herd, in which I was found not liable for the items in question. This information was sent to all three credit reporting agencies, Experian and XXXX XXXX both removed these items from my report after reviewing the information, but Experian didn't. We feel this should be removed as I was found not liable in court. I have always worked very hard, to maintain an excellent credit score and through no fault of mine now its damaged. Please help to get this removed from the Experian report.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts me at potential risk as of XXXX  2017. 

I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I asked this Consumer to remove all non reporting accounts since they were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I signed and agreed to be on a repayment plan with Navient. We went over all the amounts and what the payment amounts were going to be. I was paying for several months and then I got an alert about negative reporting on my credit bureau. 
Furthermore, I was making the payments every month for the amount we agreed upon which was XXXX per month. I continued to pay this and they were reporting all of my student loan accounts as 90+ days delinquent. This caused my credit score to drop to XXXX. I had credit cards closed and credit limits lowered because of this. My wife and I were in the process of trying to purchase our first house but this has put a hault on our plans. The payment plan started on XXXX XXXX XXXX. I contacted Navient about this situation on XXXX/XXXX/XXXX and had to speak with the collection department. They informed me that it was my responsability to make sure everything was up to date. I advised her that I was under the impression that I was on a payment plan and Navient was automatically taking the money out of my account each month. Not once did they contact me and say that the payment terms that I agreed to were not correct and that my accounts were past due. Navient continued to take my payments each month and still report my accounts past due to the credit bureau. I do not feel this is right because I agreed to a payment amount and set up automatic payments and I was still being reported as past due and I would not have known unless I got an alert about my credit. 
Navient called me on XXXX/XXXX/XXXX and left a voicemail on my phone which I have saved. The Navient representatives 's name was XXXX and he was from the office of credit collections department. He admitted that Navient made a Mistake and that they were working on fixing the promlem. The problem has not been fixed since then and I have not recieved another phone call from them to update me about this situation. This situation put me in a bad position and was one of the determining factors that made me decide to file bankruptcy because Navient had such a negative impact on my credit that I would not have been able to get everything back on track. I hate that this happened and just want to see what my options are because the majority of my student loans are with Navient and they ruined my credit after I worked so hard to get it to an acceptable level. I have also been being charged for late fees from over a year ago and I always set up payments with Navient. So this is starting to get ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: Our home was severely damaged due to Hurricane Harvey. We had up to two feet of water flood into our home. We did not have Flood Insurance as it was not required at our address. FEMA graciously gave us a great sum of money to repair, but it is no where near what we need. Therefore, we have applied for and received a loan from the XXXX to rebuild. However, to continue the line of credit with the XXXX, we are required to get a " Prior Lienholder Agreement '' filled out, signed and returned by our mortgage company. We contacted our mortgage company, Carrington Mortgage Services , LLC, to find out how to send the form. We were given a fax number but no other means of contact. On XXXX XXXX, XXXX, I sent my first fax, requesting the form be filled out and faxed to the XXXX etc. I also requested that I be contacted when the form was received, so I could ensure it was being taken care of. I also let them know that if I received no confirmation, that I would continue to fax the form daily. I was able to verify that the form was sent to a different department within Carrington Mortgage Services , LLC, but again, there was no way for me to speak directly to this department to verify handling. I continued to fax the same letter every 24 hours ( during business days ). After 11 business days, on XXXX XXXX, XXXX, I redrafted my cover letter to again ask for the form to be filled out, contact to verify expedience, and to let them know that after 15 business days I would pursue filing official complaints. On XXXX XXXX, XXXX, I sent my last attempt, a full 16 business days after initial contact. 
Again, I redrafted the cover letter to make sure they were aware of my intentions. As of today, XXXX XXXX, I have not received any contact from Carrington Mortgage Services , LLC, that they have received or are handling the request. I have also verified with the XXXX that they have not received the form. 
It is in Carrington 's best interest to return the form to the XXXX immediately, as it allows us to make necessary repairs to the property. I have attached the three different faxes I have sent to Carrington, and I have copies of all Facsimile Transmittal Receipts if proof is required.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there listing XXXX judgements on my credit report that where vacated in court this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me.

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