milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The loans were in forbearance and it 's reporting late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX bills from XXXX that i did n't know about at {$100.00} a bill ; XXXX of those bills belonged to my ex girlfriend ... i contacted collection consultants to resolve the issue and they told me that i could n't resolve XXXX of the bills because there was a third party involved so i told them that if it 's on my credit report then i should be able to handle it otherwise they need to remove it from my credit report. I paid off the {$100.00} bill that belonged to me and when i contacted them a few months later to make sure i had nothing else on my report they told me i owed nothing else ... after going online and disputing those false charges on my credit report, XXXX and XXXX immediately deleted them from my credit report ... Collection consultants decided that they had changed their minds and rejected my disputes ; they now claim i can pay those bills or they will stay on my credit report ... they are a bad and disorganized company with evil intentions and will stop at nothing ; they lied to me and now are obviously acting in desperation to collect any money with no regards to the pressure and stress they have caused me ... please help me make sure they stop their unorthodox business practice towards me and all other consumers ... the lady i was in contact with from collections consultants goes by the name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: No credit line increase allowed, Synchrony Bank/Care Credit. 
CFPB has continually denied my request to increase my credit line, without explanation in an expeditious and thorough explanation for the denial of an increase of my credit line on my Care Credit account. This has caused me duress and expenses incurred that should have been charged to Care Credit, but denied because of your credit bureau. 
If this is not resoled within 3 days of this post I shall pursue legal action against you and file complaints with any and all agencies under which you are governed. I have exemplary credit and a XXXX condition. XXXX is a common trigger to XXXX. I can easily afford legal fees, but I think free legal service is also available given my health status, the duration of continued requests for increases, risk of delayed XXXX procedures, duress and the consequences thereof. 
XXXX XXXX XXXX XXXX . 
XXXX. XXXX XXXX, CA XXXX, phn. # XXXXSynchrony Bank acct. # ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help .... 

Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX 
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: bank of America is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Lender damaged or destroyed vehicle

Complaint: A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Upon careful review of my Experian Credit Report I foun d 3 b ankruptcy 's in my file under my name. I have reached out to Experian on numerous occasions and spoken with several representatives from both offshore and in the special handling departments. Experian has failed to VALIDATE these said bankruptcy 's listed in my file. I have made contact with Experian by mailing in certified letters that included a letter from the  Federal Courts in G eorgia stating they DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENCIES. However Experian continues to break the law by reporting inaccurate information in my files.  <P/> Attached you will find my prior compliant to Experian which did not result in any resolution as Experian claimed they were unable to locate my file. You will also find the court document I received after inquiring on their procedures for VALIDATING bankruptcy information.  <P/> Experian has claimed to receive this information from  XXXX   XXXX . I also made contact with  XXXX   XXXX  and received written communication that my file with  XXXX   XXXX  has been suppressed and blocked from anyone attempting to receive third party information since    XXXX   XXXX  . However   Experian has listed on my credit reports that public record information was received on behalf of Vender  XXXX   XXXX , Experian continues to maintain this lie to all consumers. Please see attachment.  <P/> Experian refuses and fails to comply with FCRA and they are storing and reporting information that is inaccurate. This is why I am forced to file a compliant as Experian refuses to listen to the consumer.  <P/> Experian has lied to millions of consumers by stating they have verified public record information with the courts, my attachments from the courts will explain that the courts never communicated with Experian and in fact states that the courts DOES NOT REPORT ANY INFORMATION TO ANY CREDIT REPORTING AGENCY. I am hoping that the CFPB can get involved with this process to help enforce the law and help protect the consumers.  <P/> In addition my file was impacted in a negative manner due to Experian mixing my file with another consumer with the same and similar name. Due to the constant inaccurate reporting I am now filing this compliant.  <P/> Please see all attachments.

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 07-03-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: citimortgage modified a mortgage for my exhusband on a note we were jointly liable for. The modification extends the repayment terms - modifying the note from 30 to 45 years. 
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my credit.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I repeatedly tried to submit a security freeze request through the Equifax website and phone system today, and all I got were error messages. I was not able to get a security freeze, and I was not able to find anyone at the company who could place one on my account. This is a national emergency. Fifty percent of Americans had their data hacked through this company, and yet it is not providing any means of getting a security freeze on our accounts. The company should be shut down immediately, and it should remain shut down until it can provide security freezes on consumer data and other assurances that our data is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX collection accounts on my credit report were deleted. On XX/XX/XXXX they were reinserted and Transuion refuses to investigate

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 05-11-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was attending school at   XXXX   XXXX   XXXX  , when they abruptly closed in    XXXX   XXXX     . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have  XXXX  loans opened in my name when I should have only had  XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost   XXXX   XXXX   XXXX   and I can not have this. It 's hard enough knowing that I might have to be a   XXXX   for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a sears credit card in store o n  XX/XX/XXXX . I never received a card. I have a credit monitoring service that alerted me that this account was 90 days past due on  XX/XX/XXXX  and also  XX/XX/XXXX  for the amount of {$66.00}. My credit score dropped from   XXXX  to a little over  XXXX . I called SEARS / CBNA and reported this problem and was told that the account would be closed and investigated for fraud. I filed disputes with  XXXX ,  XXXX  and  XXXX   XXXX . My credit monitoring service is still showing this account to be open. I would like to close this account and have this removed from my credit report.

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 07/30/2015 about Debt collection (Credit card) with Knight Adjustment Bureau (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I spoke with people from Knights adjustment in Utah about a debt owed to University XXXX Utah XXXX XXXX. 
They vioated FDCPA twice by1. Call at or around XXXX XXXX/XXXX/15 when i was speaking with XXXX XXXX XXXX XXXX when he didnt read a MM to me until after me asking to speak to a supervisor. I was then hung up on. 
2.Upon speaking to supervisor XXXX at or around XXXX when verally speaking to him.. XXXX read me a MM without confirming any of my personal information. 
XXXX. Avoiding talking to me upon several calls being ignored by them, and several calls being hung up on by them. 

Information was released without confirmation of whom they were speaking too, as well as the mini-miranda disclosure was not verbally stated upon initial oral contact after confirming my identity. 

Also the lack of respect, and communication from Knights adjustment to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Transaction issue

Complaint: on XXXX 2016, I use XXXX credit card under paypal to pay for transaction {$20.00}. Paypal charged me {$20.00} for that transaction also XXXX credit card charged {$20.00} for the same transaction. I call paypal to dispute and they refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I will be filing a complint on your company for sharing my personal information with my coworker when the young lady called and talked to three coworkers and advance america was not surpose to give your company my social security number i signed a privacy policy saying my personal information will not be sold or shared which is identity theft please cease all communication with me and my complaint will be filed with the consumer financial pertection bureau sincerely XXXX XXXX

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 explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In order to finish my college education, ( my father had exhausted the 90 % federal loan borrowing amount ) I had to take out a private loan. I 've been repaying my loan since XXXX 2006 with an initial borrowing of {$18000.00}. 11 years later, my loan is still not paid off and still have nearly 10K to go. To date I 've paid {$26000.00} in total. All things considered it would have been easier for me to drop out of college then to have this loan haunt me my entire adult life. Navient has put me through the wringer with customer service with no clear answers. Education is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: Santander consumer USA sold their contract to XXXX XXXX XXXX  on XX/XX/XXXX, which makes Santander Consumer no longer the owner of the contract. Santander consumer USA is still reporting that I owe them {$25000.00} which is a fraudulent amount the car was sold at the auction and I never owed {$25000.00}!! they sold the debt and the debt was written off, they are reporting this fraudulent account as open then closed the account is charged off and sold. I sent Santander consumer USA a certified letter on XX/XX/XXXX asking their company to verify the debt and if they no longer own the contract to stop all collection activities! Santander consumer USA never responded to the letter even though they received it! What Santander is doing is illegal and they have violate federal law! I have filed a complaint with the attorneys general office

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (MS).
Issue: Application, originator, mortgage broker

Complaint: I saw a commercial on XXXX XXXX for a VA Home Loan. The commercial was very compelling. They explained that if I was a Veteran and had an XXXX they would help me use my VA entitlement for a mortgage. I get on the phone and go through a lengthy process of applying for the loan and was denied. Even though I have served honorably, have a VA entitlement, and a good income they still turned me away. I feel that their advertisements were unfair and deceptive. I 've been harmed because my credit report was negatively impacted by them pulling the report and I still was n't given a home loan. Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed with Experian a collections account that was placed on my report by a company called XXXX XXXX XXXX ( opened as of XXXX XXXX ). I have never heard of this company nor had any business or contact with this company other than this entry showing on my Experian credit report. I only found out about this entry due to an alert from my credit monitoring site showing that this negative item was placed on my Experian credit bureau. 
I do not believe that Experian conducted an adequate and fair investigation. 
The only response I get from Experian is " Outcome : Remains ''. Why is there no reasonable response, documentation or explanation of what process or evidence was used to determine this is in fact is a legitimate debt and that it belongs to me? If feel like it was just an automatic take the collections company side situation. Was there an investigation completed? I also sent a request for validation to the company XXXX XXXX XXXX and I did not get a response. 
I believe that these are unfair practices and in no way supports consumers in their right to dispute information on their credit reports and in their effort to determine if said items are actually valid debts so they can be taken care of. I would like this investigated and seen to it that the credit reporting agency is operating in a legal fashion. And, further I would like this removed from my credit reports as it is causing me a great hardship on my otherwise good credit standing. As a result of this my livelihood is being impacted as well as my ability to fairly obtain reasonable loans and credit products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed