milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent the TransUnion multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

Account # in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Amsher Collections Services contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the same collection agency contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. The acount was open on XX/XX/2017 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is not mine.

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 11/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the following inquiries with Experian and have not received an acknowledgement about doing so. I 've called experian to see if they received it and they do not see my dispute for the following inquiries. The following inquiries were disputed using experian.comXXXX. 

Disputed Inquiries : XXXX XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX XXXX - XXXX/XXXX/16 I did not authorize any of these inquiries to be run nor did they have permissible purpose. I 've called each company and they were not able to find any reason as to why they ran my credit. I asked about deletion with all XXXX companies and no one knew what process to take to resolve this.

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 10/22/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage continues to send me incorrect and inaccurate monthly mortgage statements. This has been going on for a substantial amount of time. Nationstar mortgage still has me under a forbearance plan payment and is incorrectly and inappropriately posting my funds to my account. Nationstar has failed to properly document and reflect my unnapplied funds balance to my account and mortgage statements. Additionally Nationstar has recently, as of XX/XX/2016, started to generate my monthly statements approximately 10-15 days earlier. Prior monthly statements complied with the " Periodic Statement Rule '' 12 CFR Part 1026.41. Nationstar refuses to provide me an explanation or reasoning behind inability to correcting these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (Mortgage) with American Coradius International LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: American Coradius International LLC ( " ACI '' ) mailed me a collections statement claiming that XXXX. placed with ACI over {$34000.00} of unpaid amounts that I allegedly owe to XXXX. I called XXXX, which confirmed that amounts that I pay to third party vendors through XXXX are immediately debited from my bank account, and that my balance with XXXX is, and has always been, XXXX. Furthermore, I have never come close to spending {$34000.00} through XXXX. I investigated online, and many other consumers have claimed that ACI is " running a scam '' to collect amounts allegedly owed to XXXX when, in fact, no such amounts are due. I believe that ACI 's behavior is a deceptive attempt to coerce consumers like me to pay amounts that they never owed. ACI 's mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " XXXX XXXX '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a GE Account ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This GE/SYNCB, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent GE ( now SYNCB ) & the collection company ( XXXX , XXXX ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Received an American Express offer for XXXX XXXX XXXX new membership. 
Purchase a new membership online and receive {$25.00} credit. 
Purchased my membership on XX/XX/2018 but never received the credit Contacted American Express customer service, but they weren't helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Company will not refund surplus, have lied repeated about what is law and policy, have harassed us consistently, an have ruin our credit, and are threatening foreclosure in spite of the fact that they have received more than required for accurate monthly requirements. The practices of this company are fraudulent, and misleading. We have consistently provided information, waited the advise time period, and 45 days later no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Federal student loan) with IMMEDIATE RECOVERY GROUP, INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The agency, Immediate Credit Recovery Inc, stated over the phone on XXXX XXXX, that they had tried to contact me at an address I moved from in XXXX 2013. I only discovered there was a court decision when I saw that they had taken {$160.00} out of my XXXX SSI on XX/XX/XXXX. 

I have called and also emailed them. I was referred to their " XXXX department '' once the original representative, a XXXX XXXX, discovered I was on XXXX with the judgement that I was unable to work. But their XXXX department has not returned my calls and I 've been calling for XXXX week now. 

I have asked to see the court order, and the original debt, as I was under the impression that when XXXX took money from my court ordered back pay, my entire student loan debt was paid. I spoke to collectors prior to my XXXX award, at which time I had been XXXX homeless for about 6 years, so I did not refuse to pay the debt, I honestly had nothing to pay the debt with. This is a fact that another credit agency took the time to verify, so I do n't understand why this agency could not do the same. 

I have tried to tell the credit agency that with my current rent, after they take the {$160.00}, it leaves me only {$17.00} for the month. I can not easily find cheap housing, as I have been denied housing without a co-signer, because, I have been told, my monthly SSI payments of {$1000.00} are not enough for me to rent an apartment by myself. I currently have to rent month to month. 

I would appreciate at the very least to have the paperwork in my hands, for my records, to settle my debts once and for all. I do not understand why the agency could not find me at my present address in XXXX Michigan : I have lived here for over 2 years now, and other agencies have found me, such as the California XXXX XXXX. Also, they found my bank account information, which is a different bank than the one I used in XXXX XXXX. 

This is causing me enormous XXXX, which I understand is not easy for people just doing their job of debt collection to sympathize with. But I have little and sporadic family or social support here in Michigan, I am quite isolated and I feel helpless at this point. I am trying to find cheaper housing but until then, I do not know how to live on {$17.00} a month. 

Thank you for your time and consideration,

Company response to consumer: Untimely response
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct 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 09/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had a XXXX ( XXXX ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted NAVIENT but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring. 

NAVIENT XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 05-02-2015 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: I called amazon to payoff the {$65.00} whicj the last balance I had to pay it off and they stated they did not have any record of my account, so I disputed the information to get it removed be uase according there was no record whatsoever.

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 08/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I currently have 2 Federal Stafford Loans that are current and never a late payment. In XX/XX/XXXX I applied for auto payment to receive a interest rate reduction. This was scheduled to begin in XX/XX/XXXX. However, Navient cancelled the auto payment stating in an online letter that " This month 's student loan payment could not be deducted from your bank account based on information provided by your bank. As a result, we 've terminated your participation in Auto Pay. We suggest reaching out to your bank to ensure there are no issues with your bank account. '' I contacted my Bank and was informed that Navient never attempted any contact with XXXX XXXX. When I spoke with Navient I was told I gave them the wrong account information. 
Because this is the second time I have attempted this with Navient, I took screen shots of the account information provided, so I have documentation that this statement is in fact false. 
I believe this to be a delay tactic by Navient to stall interest rate reductions. I would like this published ; because I am sure this is standard operating procedure to deny attempts of auto-pay and interest rate reductions. Thus resulting in untold amount of interest profits for the company each month.

Company response to consumer: Closed with explanation