milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received your letter in response to the Equifax dispute I initiated on  XXXX / XXXX /  XXXX  .   Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency.   Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Sectio n 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.    Furthermore, you have failed to provide the method of verification as required under Secti on 611 ( a ) ( 7 ) .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. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consume r reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under secti on 605 or  can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following :  HIPAA Release form in its entirety allowing this third party to have complete access to me medical file sign ed and dated by me Copies of all information regarding the above-referenced debt, including detailed statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties.   Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees.   Also, please provide me with a complete description of your clients identity, including its full name, address, state and local lice nse ( s ) and state and federal tax numbers.    Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.   Copies of copies are not a form o f Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified , invalid accounts must be removed. If you are unable to provide me with a copy of the validated proof that you have on file, within  30  calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.   If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I saw your recent lawsuit involving Navient. I am currently in disagreement with them regarding loans ( XXXX ) that i allegedly co-signed with an electronic signature. I did not electronically sign any student loan, nor did I have the ability to at the time they allege I did. On XXXX of the dates I was serving in XXXX, I know I did n't sign from there. I asked them for proof and they sent me loan agreements with my first name typewritten on the signature line. Further proof, they can not provide. Are there standards that private organizations must adhere to regarding electronic signatures? 
I am retired XXXX XXXX and a Full time XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: EQUIFAX, XXXX, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent attempt to apply for a credit card using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, Transunion, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

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 02/13/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: not allowing me to work payment options after time and time again I requested help

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the green card showing that the received the validation request over 60 days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with Comerica (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I should have done this sooner. I assumed Direct Express was safe.    Direct Express/Comercia Bank  have cut me off from looking at my own account online! For months now.   I had to call them the get   XX/XX/XXXX  and  XX/XX/XXXX  sta tements.   Accordingly the {$950.00} someone hacked my account for has not been replaced. Now I guess I will  need  XX/XX/XXXX  and  XXX  2017 stat ements.   They tak e 7 t o 10 days ...   They told me they replaced {$850.00} but that is not on either of these statements.   They replaced {$100.00} for me to live on for an entire month!   They charged me {$1.00} transfer fees and {$4.00} for a new card. Why? I did n't have anything to do with hacking my account.   This is the second time my account has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX I called Transunion to remove inquiries that I did not authorize & to challenge Derogatory Items. I spoke with a US Rep ( XXXX ) that was handling my Request. In the midst of our Phone Call, as he was confirming the Information that needed to be removed, the call was disconnected. I waiting for him to call me back since it was Transunion fault but nothing. I called back and waited 45 minutes to get another US Rep on the phone. I explained to her ( XXXX ) what happened and how the US Rep was deleting unauthorized inquiries and could she finish what he started. She told me she could n't do it. Again, I explained that the previous Rep was in the final processing of deleting the unauthorized inquiries. However, he did not care. Needless to say say, he did n't help me with what the other US Rep was more than willing to do due to my Identity Theft Police Report. The Inaccurate Information is as follows : XXXX XXXX-Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Court Reference # : 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 XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX, 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 05/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached one email from a company I asked not to submit my credit to all these different banks and they done it any way. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX Apr XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX WE Apr XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I have made multiple attempts to get this resolved with  Ally Financial  previously  GMAC. They  have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX .      O n  XX/XX/XXXX   @   XXXX   XXXX  . I contacted  GMAC an d the  XXXX   XXXX  corporations about this opportunity.     I later reviewed my credit report and to my dismay o n  XX/XX/XXXX   @   XXXX   XXXX  . I reached out to  GMAC /  XXXX   to attempt to resolve.     O n   XXXX   XXXX   XXXX   ;   XXXX   XXXX  the President and CEO  of GMAC was contacted and claims to have attempted to reach me of  which I received an email after providin g four contact n umbers of which to reach me. Email was sent to  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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days

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 10/17/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: GULF COAST COLLECTION BUREAU, ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you GULF COAST COLLECTION BUREAU, or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECTION BUREAU, or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: An account for Citibank was opened through the website for a checking account. Terms and conditions have been met. Citibank has not refused to honor their website promotion and claims to have no knowledge of promotion code even though their promotion code was pre-filled on their website. Citibank has not declined to honor their promotion. I attempted to resolve issue with bank but they refused to honor their promotion. Promotion was for {$500.00} and they are only willing to pay {$300.00}.

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 monetary relief
Consumer complaint received 09-01-2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio recovery reports an open account with a XXXX balance on all three credit agencies. under me being joint borrower, I never joint borrowed with my ex spouse nor do I know what this debt is. 

They report it twice leaving off digits of the account # 's but yet both trade lines end in the same account number example one trade line says XXXX the other tradeline says XXXX both showing different start dates yet shows original amount owed as the same I have disputed this thrue other means and directly with them but they refuse to remove this as it is not mine nor report it as closed since the balance now says XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A dispute and cancellation request due to faulty installation provided by XXXX ; XXXX ; XXXX ( " XXXX '' ), arose within 3-days of installation. After failed attempts by XXXX to rectify the installation issues, XXXX representative retained approval and agreed to credit the account in full and the account was then presumed closed. All items ( i.e. receiver boxes, remote controls, etc ... ) were returned with the provided box within the specified time frame requested by 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 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has not complied my request to provide documents that their company has on file to verify the accounts that I have disputed. It is past the 30 day mark, and Experian have not been verified these accounts properly, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are items on my XXXX report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX XXXX that dates back to 1987.  This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.

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