milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TRANSUNIONIS PREVENTING ME FROM BUTING A HOME/ AS YOU WILL SEE FROM THE ATTACHED DOCUMENTATION XXXX HAS UPDATED MY FILE WITH THE DELETED ACCOUNT IN ADDIITION TO MY NUMEROUS REQUEST TO HAVE XXXX DELETED. 
According to the information given to us by your firm, the date of last activity by the ORIGINAL CREDITOR WAS IS NOT LISTED ON MY CREDIT REPORT ONLY THE DATE OF YOU PURCHASING THE DEBT. The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 10TH REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 10TH REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 10TH REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 10TH REQUEST ) Name and address of alleged creditor. ( 10TH REQUEST ) Name on file of alleged debtor. ( 10TH REQUEST ) Alleged account number. ( 10TH REQUEST ) Address on file for alleged debtor. ( 10TH REQUEST ) Amount of alleged debt. ( 10TH REQUEST ) Date this alleged debt became payable. ( 10TH REQUEST ) Date of original charge off or delinquency. ( 10TH REQUEST ) Verification that this debt was assigned or sold to collector. ( 10TH REQUEST ) Complete accounting of alleged debt. ( 10TH REQUEST ) Commission for debt collector if collection efforts are successful. ( 10TH REQUEST ) Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. YOUR CLAIM CAN NOT AND WILL NOT BE CONSIDERED IF ANY PORTION OF THE ABOVE IS NOT COMPLETED AND RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. ( 10TH REQUEST )

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 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX AUTH USER OFF THE ACCT SS # 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 non-monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: synchrony bank tried to collect on behalf of sam 's club on my account. we never received a bill because we found out later that they sent the bill to the wrong address somewhere XXXX miles away. 
they would not let me have the address corrected because they said i was not on the account. i have my sam 's club picture id. when i went to sam 's to pay the bill they would not let me for the same reason, i was not on the account. i have tried everything and had my wife call and the info is still wrong. enough is enough, i do not want to shop at sam 's club or walmart because they cant even get an address right. i have been a member since the late 80 's and now its all messed up. so much for my repeat business

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this information with XXXX/XXXX several times. This account was included into a Chapter XXXX case XXXX XXXX XXXX and discharged back in XX/XX/XXXX. I spoke with a rep call XXXX ID # XXXX. He stated he show another chapter XXXX bankruptcy filed & in XX/XX/XXXX he can add the debt to. Why are you adding a discharge debt to a current bankruptcy? 

XXXX/XXXX XXXX .... {$200.00} as of XX/XX/XXXX XX/XX/XXXX Petition for Chapter XXXX Bankruptcy. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing was switched to Loan Care LLC this past summer. Since then I have missed bills, been charged fees, been denied the opportunity to pay my mortgage, been left on hold and/or disconnected multiple times, been denied the opportunity to speak with a manager, been belittled or condescended to. All the while I still have not received any bill or description of charges, penalties or fees.

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 09-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with ZIONS BANCORPORATION (NV).
Issue: Account opening, closing, or management

Complaint: Over a year ago I closed acct for XXXX with Nevada State Bank. For over a year I have received account summary statements from the Bankcard center, XXXX, XXXX UT XXXX showing I have a {$67.00} credit. I have called the card holder service to receive pymt and have gone to the XXXX branch in XXXX, NV. to no avail. In XX/XX/2017 I spoke to a branch mgr who told me, after a hour on the phone, they were looking into it. Three weeks ago I went and spoke to a teller that made several calls and was on the phone for about 1/2 hour while I stood and waited. He told me they would contact me. It never happened. Last week my husband went in, as a VP of XXXX, and after speaking to XXXX, a branch mgr, he was told the check was " in the mail '' and should arrive this past Tuesday. It did n't. On Wednesday my husband went back to XXXX who made more phone calls, and was told if there were any " upgrades '' they would tell the branch manager, who would then contact us. We have n't heard a word since. 
I realize this is only {$67.00}, but if it was reversed we would be in collections. They have kept our {$67.00} for over a year and we want a solution. What are upgrades? Where is the check that was promised?

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 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX of XXXX Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number is XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 called at XXXX again I can not believe that this gentleman from your company is still calling me at the hours that I told him I was at work. I am for certain that he is sabotaging me and setting me up to be be homeless. Between the lies he told on me and not respecting my request of times that I 'm home to receive his phone calls and yes I have returned his calls and he never is available to answer his phone directly. He has called again at XXXX PM knowing good and well that I am at work. He ( XXXX ) told me that he starts work at XXXX I understand that it is XXXX time in about two or so hour difference however he could have called at an earlier hour. Please know that I have documented every call that comes into this house via caller ID and I have a log phone conversation record of every phone call that has been made to me from your company. I think it maybe time to find an attorney who will represent me pro bono ( because of my financial challenges and not being able to pay an attorney out right ), to be able to sue you ( Wells Fargo and XXXX XXXX ) not only for stress that you have brought upon me, ( That has changed my life drastically and made health issues appear that I have never had before ), making it hard for me to hold down the necessary jobs to be able to take care of myself financially through this process, but for unfairly treating me as as though I was some kind of XXXX female incompetent dummy. Maybe a lawsuit and attorney can help me get you to be a person of your word and stick by what you said you would do in finding a appraisal agent that can represent both parties. Ironically today I received a phone call from a previous client that I recommended to Wells Fargo to get their mortgage in the past as they are real estate agent and they are having the same identical problems as an XXXX family, and I will be helping them in whatever way I can, sharing all of the experiences that I have went through with your company. I see why your company has so many legal issues currently because of the service that you render to innocent person.

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 01-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from XXXX XXXX XXXX in XXXX. I have accumulated so much debt. In XXXX, I consolidated all my loans with the Department of Education through XXXX XXXX XXXX. To my suprise, I have received a XXXX summons from a client that I owed private loan in the amount of approimately {$23000.00}. I was not aware of XXXX scamming me to believing that my loans were consolidative. Now I am stuck with paying loan that I had no idea signing in the name of financial aid. XXXX degree is not worth anything. I could not even get a XXXX. I can not pay XXXX different student loans at the same time.XXXX XXXX scam me and now I am stuck with unnecessary bills and being sued XXXX times by the creditors. I do not know what to do now. 
XXXX XXXX have cause me serious pain and my credit is destroy because of judgement on my credit history. 
I need them to take their worthless, senseless and scamming degree. 
I am hoping the CFPB can find a resolution to helping the thousands of people who are victim of XXXX XXXX Scams. Be careful to sign documents from XXXX XXXX. They will tell you your loans can be consolidated but that is a lie. They will steal some of the loan they make you take and you are stuck with the bad debts. XXXX XXXX is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company contacted me as a " potential '' relative of mine. I do not know the person that owes the debt and do not know how they retrieved my private phone number. This is NOT a debt I owe. I am only related to the debtor as my daughter is married to his Aunt.

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 06/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least XXXX days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay.

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 10/16/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. 

This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient is the servicer of my partner, XXXX. XXXX had a XXXX and has been XXXX since XX/XX/XXXX. I have made several attempts and have supplied them with the court ordered paperwork granting me guardianship with authority of all his financial, health, and property matters. They continue to refuse to assist me with getting some kind of forbearance for him now that he is unemployed and XXXX. 
Additionally, whenever I speak to someone, language is always a barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I refinanced/modified the mortgage on this property back in 2012. Greentree approved the refinance which was based on making 3 monthly payments which were completed and on time. I received a congratulations letter that my refinance/modification was approved. Subsequently 30 days later I received a follow up letter from them saying they never received a signed document I was suppose to mail back to them. However, there was no such letter ever sent to me that required a signature. I requested them to simply just fax or send me the letter to sign and I 'll get it right back to them. 

They declined and made the mortgage due in full and rescinded the refinance approval. After many attempts they agreed to have me submit a new application. Using all the same information since nothing changed they declined this one of course. From what I have found out this is a scheme to steal homes and is fairly common with companies like this. This action by that company cost me my family, my house and everything I worked over 20 years. I 've contacted over 20 people at the various companies most likely involved in this fraud and they all hind behind their XXXX dollar desks. If the investment company ( Ditech, Greentree, XXXX XXXX, XXXX Investors or whoever ) would like to come out of the shadows and speak with me regarding correcting this wrong before if must go to court and media. As a result of all this the house was foreclosed on this year.

Company response to consumer: Closed with explanation