milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: It has been a complete stressful nightmare dealing with Equifax for the last several months concerning my credit report. Recently I disputed some inaccurate information on XX/XX/XXXX and I received the completion results were the items had been deleted/unverifiable. The items in question were XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( this item was showing reaged which is a clear violation of the law ) and XXXX XXXX XXXX XXXX ( every XXXX XXXX entry reporting on my credit report ). As you will see on the uploaded supporting documentation, Equifax sent these results out XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I was checking my Equifax credit report on Equifax.com and these items are currently being reported which is not reflecting my true credit report. In light of Equifax hacks I have been trying to closely monitor my report. They have also mixed my files as you will see by the supporting documentation I have uploaded as well. Equifax did not inform me via letter that these unverifiable inaccurate items were being inserted back into my credit file. This is a direct violation of the law as well. I have previously submitted a complaint with the CPFB concerning these issues ( the complaint is also uploaded as supporting documentation ). Equifax is also reporting XXXX XXXX XXXX and this item was unverifiable, inaccurate and was deleted from my credit report and currently reinserted with no letter sent to me by Equifax. I have uploaded all my supporting documentation concerning these items. Equifax is breaking the law by continuing to report these inaccurate items on my credit file. These items need to be deleted immediately because they do not belong on my credit file and Equifax is not reporting my true credit file. Equifax has mixed my file on four separate occasions this year XX/XX/XXXX where I have had to call in to complain and send in identifiable information to them so they can try and fix my file. Clearly Equifax has not straightened my file out. The items that should not be reporting are : 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 Again Equifax has been making a complete mess of my credit file which is causing me emotional stress. These violations of the FCRA are negligent and willful on the part of Equifax in which I can sue and get damages. Equifax has violated my rights by continuing to report these inaccurate items. Clearly Equifax is not for consumer rights. 
I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THE UNVERIFIED INACCURATE ACCOUNTS. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Between the years XXXX, I was persuaded by my loan servicer, Navient, to either use forebearance or deferment as a method to postpone payments I could not afford rather than reducing my payments or offering me income-based repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am trying to remove fraud alert and freeze placed on my credit account in yr 2000. Was given the runaround. My credit reading is XXXX. I was a victim of the XXXX health fraud scheme and was trying to remove it. I did n't answer some of their questions because some banks supply credit cards for companies, stores, etc and I do n't recognize all of them when they are read over the phone. I failed their test. When I called back in, phone system said I took too many options and hung up on me. This is after waiting 10 min initially. I have an official form letter that I am sending Transunion.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I have called in a few times about the correct, true, and compliant reporting according to FCRA by way of credit bureaus receiving data by XXXX through XXXX XXXX compliance. Every company sending data by XXXX must be compliant by XXXX XXXX standards. I spoke with a few foreign reps for Transunion, who had no clue of what this was, then asked to be transferred to a representative in the XXXX. I get a smug guy. He admits he knows what this means but has no clue how any of the " so-called '' creditors or collection agencies actually do their verification to solidify that any account is the consumer 's account. Being that he admitted this, I asked him to please send our conversation transcript to a supervisor. He asked me to hold on and I did. About 5 minutes later, the phone hangs up. This was my second time calling in the past week. I 've been actually sending them letters because I have a few accounts that I " challenge '' the validity of by way of XXXX XXXX compliance. These " so-called '' companies are NOT at all true and correct in reporting by simply sending the words " Unspecific dispute but verified ''. My challenge letters were very SPECIFIC and are attached. Trans Union and these companies keep playing volleyball with my credit as the ball, making me the net, and and have no clue as to how these companies have verified anything which is against FCRA. Under FCRA XXXX XXXX XXXX, every single one even each and any and all of the unproven not compliant, untrue, incomplete, incorrect, and/or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed accounts are to be deleted. I have been dealing with this since XXXX with Transunion and these non-compliant companies. I am very disappointed because I am in the process of using my XXXX home loan benefit to acquire a home for my family. I ca n't do so with such non-compliance. Every American should be appalled, upset, and angry at such non-compliance and abuse of power.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company did not inform me in a timely manner, approximately 1 month after discovery, that my personal information within their databases had been comprised. Thus giving me less time to take measures to protect myself from identity theft. My credit report data should have been stored and encrypted properly so no one outside of Equifax 's organization could read the data and this was not done. Now because of this breach my information can be used now or even many years into the future to facilitate identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Our firm represents XXXX XXXX, 21-year owner of the property sold on XXXX XXXX, 2015 via trustee 's sale. We believe that sale is invalid, and in violation of RESPA. We are asking the CFPB to contact the servicer, Ocwen. A third-party purchaser issued the consumer a five-day notice to vacate, so we are immediately seeking to have Ocwen rescind the sale, on the grounds that it is invalid. 
XXXX XXXX is XXXX was XXXX in active loss mitigation, yet Ocwen foreclosed. Ocwen entered a trial payment plan with XXXX XXXX in XXXX 2015. Attached is a statement which makes note of the establishment of a TPP. We have payment stubs that evidence the consumer was performing under the Plan ; payment receipts for the months of XXXX, XXXX, XXXX, and XXXX 2015. 
Ocwen neither denied a permanent modification, nor granted XXXX. It issued nothing in writing to the consumer, and consumer continued to perform under the TPP. 
Despite a live loss mitigation that includes a TPP, Ocwen foreclosed on the consumer 's property. The Trustee executed its sale on XXXX XXXX, 2015 selling the home to a third party. The Notice of Trustee 's Sale is attached. ( The sale executed on XXXX XXXX although you may notice that the original Notice of Sale schedules it for XXXX/XXXX/2015 because Arizona law allows foreclosures to proceed any time thereafter without rescheduling/fresh notification ). 
We believe the sale was prohibited by the federal regulations that place a moratorium on foreclosure during loss mitigation. During a Trial Payment Plan, that moratorium is absolute : no trustee sale may be executed during performance under a trial payment plan. Specifically, a servicer may not conduct a foreclosure sale if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option. XXXX C.F.R. XXXX ( j ). 
If Ocwen alleges that it denied a permanent modification, we point out that we have no written notice of denial as required under the regulations, and notwithstanding any denial, the timing itself of the sale may have violated other provisions of RESPA. A borrower whose complete loss mitigation application results in a denial for any loan modification also has a right to appeal the denial if the servicer received the complete loss mitigation application 90 days or more before a foreclosure sale or before the date for a foreclosure sale is set. 
Immediate action is required in order to limit liability and an independent action for damages, which our research indicates may be appropriate under these facts. We are requesting the rescission of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: I have a credit card serviced by Synchrony Bank. I have always paid my bill in full and on time every month. I gave my daughter permission to use the card. A couple of times she paid prematurely from her bank account and had her payment denied. Instead of sending a warning or charging a fee for bouncing a check, Synchrony closed the account without warning and dinged my credit with a charge of NSF. I feel they treated me worse than people who are late payers. I repeat that my bill was always paid in full and on time. 
I have other credit cards and do not care about this card, but I do not like being treated in such a disrespectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX credit acceptance and XXXX we on my report. Number one I XXXX XXXX XXXX because I have XXXX XXXX so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 06/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX XXXX 2017, I opened a business account with Bank of America. Initially, everything was going fine. They sent me a welcome email on XXXX XXXX 2017 and they let me know that my business debit card was coming in the mail. On XXXX XXXX 2017, I tried to activate my new business debit card and it said the card could not be found. I spoke with a customer service representative and they told me that my account was closed. I asked why it was closed and all she would say is that " it was a business decision. '' I asked to speak to her superior and she told me that I could but they would tell me the same thing. When I spoke to her superior, I was told again that my account was closed and she did n't have to give me a reason why the account was closed but it was on page 2 of my contract stating that they could close the account at any time. I told her I 've never received any contract and I could not find any information stating this information. I filed a complaint with the Better Business Bureau on the same day. On XXXX XXXX 2017, I received a call from XXXX XXXX and he stated he was with the Complaints Department with Bank of America and he received my complaint from the Better Business Bureau and he wanted to know what happened. I told him what happened but something about this guy did n't sound right with me. He told me that he would look into the matter and get back to me as to why the account was closed. What I could n't understand was he was able to pull up my information in his computer yet he could n't see why the account was closed? I grew more suspicious of XXXX XXXX and thought this guy is going to come up with some sort of lie as to why the account was closed which to this day, there 's no reason for at all. The next day, I received a packet in the mail from Bank of America welcoming me to their bank and issued my bank account number. I called XXXX XXXX and told him that the customer service representative on the phone expressed to me that I would not be receiving this packet in the mail because the account was closed, yet I received it. All this guy could tell me was it was already sent off and they can not control when the packet would arrive at my house but he would get back to me no later than XXXX XXXX 2017 which he said was on a Monday. When I looked at the calendar, it falls on a Saturday. These people are going around the world and back to come up with a lie as to why they closed the account and no one ever gave me an honest answer. I 've since learned through reading complaints about Bank of America that this has happened before where they 've closed people 's accounts for no reason.

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 09/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Fed-loans will not grant me XXXX loan forgiveness for working in a low-income school even though I have since I began teaching in XXXX XXXX, XXXX. The school that I worked at for my first two years of teaching were so low income that the XXXX XXXX Department ended up closing the school down. The have a hired man who is over all things about that school at the XXXX ( XXXX XXXX Arkansas XXXX ). When I submitted the form for XXXX loan forgiveness it was for 2 years at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX. That is the address for the XXXX because the man, XXXX XXXX XXXX, in XXXX company is the XXXX XXXX for the paperwork dealing with that school. I have combined 3 years that I had for teaching at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX, to equal a total of five years of teaching service in a low income school which qualifies me for XXXX loan forgiveness. It was denied based on having NO XXXX office signature which it does have to qualify. I submitted it this way for a total of 4-5 times, each time I was denied for either the same reason or not qualifying for enough years taught even though I do have the 5 years. I then waited til I had 5 years total at XXXX XXXX XXXX XXXX to re-apply. When I re-applied I had talked to fed-loan servicing department and had been given step by step directions that I needed to follow to ensure that it would not be denied. I followed the directions completely and re-submitted to only be denied again. I then waited til XXXX to try one last time to get the loan forgiveness that I fully qualified for to only be completely ignored by Fed loans who 's only response was to send me an application for XXXX loan forgiveness, the exact form that I had submitted. So thinking that was a lost cause I then applied for XXXX XXXX loan forgiveness which is where if I teach and pay for 10 years then my loans are forgiven. XXXX XXXX, XXXX will be 10 years so I applied and to no surprise was denied for that as well. I am a community helper that gives back on a daily basis and it is not right for me to be making less than a waitress after 2 degrees and 10 years of public service. I have worked Extremely Hard to better myself being the first and only of XXXX children to graduate with any degree at all in my family. The least that could be expected is that I can make a living without worrying about having the money to support our XXXX children!

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i been trying to have this debt validated last sent a validation letter to credit agency XX/XX/2016 and yet to receive any validation documents or deleted information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received XXXX hard inquiries on my credit report ( Eqiufax ) dated XX/XX/XXXX & XX/XX/XXXX. I disputed these inquiries with Equifax and they were not removed. I have received letters from XXXX/XXXX stating they have sent in requests for these inquiries to be removed as I did not authorize these. Equifax has yet t remove these inquiries from my report.

Company response to consumer: Closed with explanation