milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been writing back and forth to you and all XXXX Credit Reporting Bureaus. Several items have been removed, however, I have requested ( 4th time ) a copy of my updated credit report from each of the agencies. Please have them mail a copy of my updated, corrected credit report w/credit score to me at : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am still having problems with 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 08/21/2015 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This fraudulent debt appeared on my credit file. I am a victim of identity theft. So I notified the company 's and they refused to show original contracts so I can better investigate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named PINNACLE LLC / RESURGENT with address XXXX XXXX XXXX, XXXX, SC XXXX with telephone number ( XXXX ) XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX. Where I at no time authorize XXXX XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including PINNACLE XXXX Therefore I need PINNACLE LLC / RESURGENT to erase my information from their records and stop trying to collect the amount of XXXX since I never sign any contract with them where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see the obligation to take legal action, since in the past I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (DE).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The company is called affinity global they were called global credit collections. They keep calling my landline asking for XXXX XXXX who no longer lives here. They got there information from a site that u have to pay money to get that persons phone number and other information. I have sent them a electronic written letter saying for them to cease and desist but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been making payments on my student loans for over 3 years. My balance has stayed the same and at one point increased from the original amount. At one point I had the loan paid down by {$1000.00} and Navient sent me a letter saying that I no longer qualified for some credits that I was receiving and added back almost {$1000.00} to my loan, putting me right back to where I was after paying on time every month for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have written and called Infiniti Financial about my lease multiple times. They had lost a payment of mine and then cashed it 2 weeks later. I sent a copy of the check that they cashed clearly showing the date I sent it and the date that they cashed it. They put a late fee on my account. I called to discuss it again, They still did not fix it. They sent a report to the credit bureaus over this which ruined my 25 years of perfect credit. PERFECT CREDIT. I then sent letters with proof to Infiniti again and also to XXXX. Infiniti then changed their story stating that it was a different month that I was late. A different month then they reported to XXXX. I then sent proof that I paid that month on time. They still did not fix my credit report. I paid their leases for 6 years on time. I had perfect credit for 25 years. I believe this proves that they should fix their mistake. Losing a customer of 6 years because they are incompetent seems absolutely ridiculous but this is making me end my lease, leave bad reviews, and seek legal action. They have multiple horrible reviews stating that they give false fees and do not fix errors. They seem to lie instead of having to do the work.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for XXXX blocked the concerning information. Fifth Third Bank continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. It even kept me from licensure for my dream job because I do n't have a perfect credit file! For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job XXXX! this is ridiculous to get something done with this company, every other company included in the affidavit removed the info and has found that the accounts were opened fraudulently during a legitimate investigation in a suitable amount of time. You ca n't tell me XXXX other company investigations found fraudulent activity and fifth-third actually investigated anything. The account itself is registered to an address in XXXX where I have never even lived!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Vehicle loan or lease (Lease) with REGIONS FINANCIAL CORPORATION (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: I was gifted a car after the XXXX of my grandmother a year ago in XXXX. When I went to pay my sales tax and get the title transferred into my name I was told I needed a proof of. lien release before I could transfer title. The front of title under lien holder was signed and dated as released. I went back to my local DMV on Wednesday XXXX XXXX and told them the Lien Holder on the title was no longer in business. It was the XXXX XXXX XXXX XXXX out of XXXX, TN. The woman gave me the number for the XXXX XXXX XXXX XXXX XXXX XXXX opt XXXX. She seemed sure they would be able to help me. I left a message for a woman named XXXX and never got a call back. So, Thursday XXXX XXXX, I called again and spoke with her. She said informed me I needed to speak to someone at the OCC because they would have the information I would need to get this one little piece of paper. The number she gave me was XXXX. When I called the lady I spoke with searched for the bank listed as lien holder and she came up with a bank called Regions that was now based out of Alabama. She told me that unfortunately she could n't help me any further but she would give me the information for the company she had listed to handle all complaints for Regions Bank. Their address was XXXX XXXX XXXX XXXX, IA XXXX and contact phone was XXXX or online at www.consumerfinance.com. I then called them and a lady by the name of XXXX answered my call. After my discussion with her I had come to the conclusion that until then I had just been passed around from number to number so they did n't have to handle my issue. She informed me that my best bet would be to file a complaint on Regions Bank and wait for a reply from them. So, here I am doing my best to keep my sanity and hoping to find a solution to this whole proof of lien release needed from a company no longer in business in which I have gone a year past the date given the vehicle without being able to license it. I have attached a scanned copy of the title to this complain,

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 07/13/2017 about Vehicle loan or lease (Loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My bank denied me a small loan to have my car repaired but yet they still are taking money out of my account and I have n't driven my car since  XXXX   XXXX   2017 ! They gave me the run around for 2 months I was promised help and did not receive it. I 've given them quotes and everything that they have asked for yet I 'm stuck with a car payment for a car that is not in my possession. And at this point my car is considered lost/ stolen because the tow company have seemed to " Misplace my car '' how do you misplace a  XXXX  I will never know

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am contacting you in regards to a violation of the Fair Credit Reporting Act by XXXX XXXX XXXX and Equifax. I have made several attempts to have the fraudulent account from XXXX XXXX XXXX removed via the original creditor, the company they sold the account to ( XXXX XXXX and Equifax. I was able to resolve the issue with XXXX XXXX on or around XXXX/XXXX/2015, however neither the original creditor or Equifax have removed the fraudulent account from my credit file, even after several disputes providing all necessary documentation including a letter from XXXX XXXX verifying the account as fraudulent. Attached you will find a copy of the letter from XXXX XXXX as well as XXXX " investigations '' from Equifax stating the account is mine even after provided proof and verification of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX  claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX  ). Which I consider to be a threat made simply because I asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit profile shows 30 days late 60 days late incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Spoke with Transunion representative  XXXX  for my case file #  XXXX  and she did not assist me in removing Inquiries that I have not place on my credit file :   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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: The bank released 2 years of financial transaction and my account number to anparty not associated with my account. The bank then allowed a deposit from the same third party on a second incident again who is not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Vehicle loan or lease (Lease) with UBER TECHNOLOGIES INC (GA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint: I was informed that Uber had some cars for lease and that the condition was they would deduct money from your service for the " lease '' car and to go ahead and get a lease car with their partner group XXXX XXXX. I went to a dealership and made sure to ask the dealership if this was going to be on my credit and they stated clearly this was not and it was just a lease and the only reason they needed my credit was to make sure I was not a XXXX.. this was the dealer who is point of contact with Uber XXXX XXXX . I signed some papers and drove out with a car. After a month or so, I figured uber was not my thing and I requested the car to be picked up. Now, I still show XXXX ( XXXX ) inquiries in my credit for XXXX XXXX. I did not know they were pulling my credit ( hard ) and would like to have this removed from my credit. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I had first mortgage thru XXXX and loan was owned by XXXX. My wife was unemployed for nearly an year and received unemployment benefits in XX/XX/XXXX/XX/XX/XXXX. During that we were late in monthly mortgage payment to XXXX for several months and then we paid on time each month a reduced amount as stipulated. However XXXX reported to credit bureaus we were seriously delinquent for 11 month period and did not pay the mortgage at all and that is misrepresentation of the fact. This faulty data messes up the Credit score and we were unable to refinance the mortgage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Consumer Loan (Installment loan) with Solidus Group LLC. (CA).
Issue: Problems when you are unable to pay

Complaint: I recently had a recent installment loan with XXXX XXXX XXXX. I defaulted and agreed to pay down the loan by XXXX a month. In which the company agreed. After doing so for the past 3 months I received a call from someone at XXXX ; advising me that I am being sued and soon to be prosecuted for writing a bad check. I asked what is this regarding and they advised me to speak to Solidus group at XXXX. I Then called, and I was advised the same thing that I am being sued and if soon to be prosecuted criminally for writing a bad check, I advise the gentlemen XXXX XXXX with Solidus group I never wrote a bad check to XXXX ; I changed my checking account info due to the recent XXXX. Credit and checking acct Hack ; and that I have been in a payment agreement with XXXX for the past 3 months so I am unsure as to why you are threatening me. I advised them that I am in a financial hardship due to paying my grandmother medical bills and I am only able to pay the XXXX in which XXXX agreed to ; I was told that payment arrangement is not acceptable and we are going to prosecute you civil and criminally.I continued to ask repeatedly during the conversation is this a collection agency and the gentlemen refused to answer the question. PLEASE HELP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had my student loan since XXXX. I have been paying my payment since then. I did not refinance my loans but several years ago got a letter saying my loans were changed from XXXX XXXX to Navient. I was told I would be eligible for forgiveness in XXXX. I called in XXXX of XXXX to find our what I needed to do having paid all of this time and was told when my loan was changed to Navient the type of loan was not eligible for forgiveness after 25 years not only that tge payment of XXXX dollars a month had not changed the balance at all. I was told I refinanced my lian to Navent from XXXX XXXX and I did not. I am a XXXX and have since advanced My degree and am now paying both l XXXX as if I am a new grad. I am XXXX years old and trying to help my kids thru college as well. I have been scammed with no options of choosing paying thus payment for 25 years having been originally told it would be payed off and then told I did n't have the right type of loan. One I did not choose or informed of an option. 25 years later I have paid this loan off multiple times yet balance is the same. It is a huge scam forced on me and nothing I can do.

Company response to consumer: Closed with explanation