milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Payday loan () with Flurish Inc. (HI).
Issue: Received a loan I didn't apply for

Complaint: Flurish, Inc dba XXXX ( a payday and installment loan company ) has been threatening collection actions for XXXX loans which I never applied for, never received any funds for and in spite of my efforts asking for corrective actions to be taken, has not resolved the issue. I was emailed an electronically signed agreement ( which I never signed ) with address information, bank account and bank routing information that does not belong to me. I notified them of this but the issue still remains. I live in XXXX, XXXX and the agreement is for someone in XXXX XXXX, XXXX. Copy of the agreements they emailed me are attached. none of the information is correct.

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 06-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Attached is the letter received  XX/XX/XXXX , dated  XX/XX/XXXX ,  Ditech fo rwarded advising me of ineligibility for their  XXXX  loan modification programs that I applied for.  <P/> In the seventh paragraph they state I am ineligible for their   XXXX   XXXX   XXXX    Proprietary Modification be cause my conbined household debt of {$1300 .00} ( made up of {$910.00} mortgage and {$450.00} interest only HELOC ) is less then the   threshold of 45 % of my total gross monthly income of {$3100.00} thereby deemed affordable. The mortgage expense above is just barely affordable on my fixed income. The HELOC is due to reset in at few months so I included with the mod application an estimate of the new payment to use in determining my eligibility. However, it was not used in the calculation.  Ditech  did not sent me the new reset payment amount until after I applied. The new payment amount of {$850.00} is almost double what I am currently paying.  Ditech used the current payment not the new reset payment ( which they knew all along ) to determine DTI ratio an d ineligibilty.  <P/> Furthermor  e, Ditech has serviced my HELCO for many years and is aware of the loan modification programs for which I was eligible, but they never reached out to me as recommended by the Office of the Comptroller of the Currency ( OCC ).
<P/>
Finally, the second page speaks of submitting {$200.00} as down payment for an appraisal. Why? I have been living their since the end of summer last year (     XXXX   ). My understanding from friends, appraisals have n't been used for modifications only home valuations which cost substantially less.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already addressed BofA 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.

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 11/16/2016 about Debt collection (Medical) with The CBE Group, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My rights have been violated repeatedly. I can not receive a home loan because of these alleged accounts that are reporting negatively by the CBE Group. a medical debt collector that is currently reporting XXXX collection accounts on my credit report. I have made disputes with the CBE group and with the XXXX bureau 's. The supposed investigation claims the debt is verified. 
I have had my credit report pulled three times in the past three months. Each report contains the same errors. 
For example : Alleged Account # XXXX " opened '' XX/XX/XXXX meaning the alleged account was opened XX/XX/XXXX. 
When I call the CBE Group they do not have record of an Account Opened date. They have a " SERVICE DATE ''. not one of the XXXX credit bureau 's have a " SERVICE DATE ''. CBE should n't be able to put information in what ever section they think is right or might go. 
And the " DLA '' date of last activity. Can not predate the " opened '' date. Any account must be opened before it can have activity on it. I have explained this to the CBE Group and to the XXXX Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE BEEN A VICTIM of XXXX AND EXPERIAN AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON EXPERIAN BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL

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 12/15/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: As a customer of TD Bank, my checking account was debited by TD Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have loans serviced Navient, ever since they were transfered there from XXXX XXXX I was only provided with the option of being in foreberance instead of providing me with lowerpayment plans based on my income. I spent hours on the phone explaining that I did not make enough money to pay the monthly installment they kept telling me was required. I filled for foreberence more than 4 times because they told me I had no other options. I submitted my tax returns, in addition to their form depicting all my expenses, every year for the past 4 years that demonstrated that I was not able to make the monthly payment Each time I was told that I would be required to pay over $ XXXX/month. That payment based on the documentation that I submitted that summarized my monthly expenses, including my home, car and utilities, would have put me into a deficit each month. This past summer I was finally able to renegotiate a plan that is still above what I had requested, but is more manageable. Unfortunately it means I am paying excessive interest on my student loans. In addition, as a teacher in a XXXX school, I had to submit the paperwork to have my student loans reduced for service, 3 times. Each time it was " never received ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with Northern Alliance Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (GA).
Issue: Managing the loan or lease

Complaint: I have a vehicle loan through BMW Financial Services. I was thirty days late for the XXXX XXXX, 2015 payment. XXXX of my credit reports state they the XXXX late was XXXX 2015 and the other says XXXX 2015. I have disputed this with the bureaus and BMW responded that they were reporting correctly and they are not. I have attempted to resolve this through contacting BMW on multiple occasions and I continue to get different answers. I am requesting assistance to have the credit reports report correctly as showing the payment was XXXX days late for XXXX 2015. I have attached a letter from BMW that I received stating the XXXX payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted a Lease Payment Deferral Agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( not 30 days late at this point ) to defer XX/XX/XXXX payment. At that time I paid the deferral fee in the amount of {$120.00}. I requested for the Deferral documents to be emailed to expedite the process time to ensure that the agreement would be processed in a timely manner. I did not receive the document on XX/XX/XXXX, therefore I contacted XXXX on XX/XX/XXXX to receive the documentation needed, I was advised that the email was sent, it takes a few minutes to be received. I attempted again on XX/XX/XXXX to receive the documentation and I signed and returned the documentation by fax receiving a confirmation of receipt. I contacted XXXX early XX/XX/XXXX to see if the information was received and I was advised that the deferral was not processed at that point and I was advised to call back. I contacted LFS on XX/XX/XXXX to learned that the documentation was not received or processed, therefore I sent the documentation again. At this time the Hurricane Irma had made landfall in the Florida/Georgia and we were forced to evacuate. I learned a week later that the deferral was not processed until XX/XX/XXXX and a 30 day late payment was applied credit to our credit report. A dispute was sent to the dispute department and denied stating that the payment was already 30 days late which is incorrect. This account has never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Prepaid card (General purpose card) with PNC Bank N.A. (OH).
Issue: Fees

Complaint: My {$50.00} card expired on XXXX. I found your website and learned that funds remain for up to 5 yrs after the expiration date and fees may not be applied to transfer or return as a check. PNC says that it 's use it or loose it. I have tried to get this resolved but keep getting transferred to someone else. I was able to go online and see that {$32.00} was withdrawn on XXXX as Close Account administrative Adjustment and that today $ XXXX was withdrawn as a transfer fee. This must have been when I called about transferring the balance but a balance was never transferred. This card should still have {$50.00} on it since it has not been used.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good Afternoon, My name is XX/XX/XXXX, currently I owe {$4800.00} to IQ Data INT. In the past I did stay in apartments and had a roommate of the name XX/XX/XXXX. I did not finish the whole the lease but I did sign a Roommate Release Form and had my name removed from the lease along with any other payments. Recently I tried to apply for an apartment and this popped up, I 'm just very confused and would like this matter resolved since it was no longer my debt once i signed the release form. I 'll be awaiting your regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (OH).
Issue: Struggling to pay mortgage

Complaint: My mortgage fell behind due to unemployment. While applying for a mortgage modification,  XXXX  sold my defaulted lo an to Midland Mortgage/ Midfirst Bank . I then immediately began the modification process with Midfirst. I was told that they had received all of my documents for the modification. After a couple of weeks of waiting to hear about modification options, Midfirst s ent me a document stating that they have not received all of the documents for consideration of a modification. On the same day I received a notice that they 'd submitted my mortgage to an attorney for foreclosure actio n. Attorneys  filed to foreclose on my property on  XXXX   XXXX ,  2017 , without any consideration of a workout plan. I have been trying to apply for a modification and resubmitted my entire application online, but I am still getting notices in that they have not received all of my documents. While their online portal reflects that those documents have been received.

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 10/25/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a security freez and i am a fraud victim and I have XXXX Showing on my transunion report and XXXX and XXXX and I dont do any of these companys and i do not own any one any money and they are contacting me and threating me to go to court and sue me and garnshise my wages from me. Please help me my email is XXXXXXXXXXXX how do i report these that are threathen me and cussing at me and telling me they are going to hurt me.

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 12/16/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXXI signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am paying my daughter 's student loans to discover because I co-signed with her. 
I have repeatedly asked for a monthly statement and do not receive one. I guess at the amount due each month. Also, when my daughter went to their website to to see if a payment had been received, it showed past due. She called and was finally connected to a real person and was told the payment had not been received. This was XXXX/XXXX/15. The check cleared my account the following XXXX XXXX/XXXX/15. My daughter checked the website again and it said the check had been received on XXXX/XXXX/15. When I looked at the back of the check, it cleared Discover 's bank on XXXX/XXXX/15. I just want a monthly statement sent each month. Also, I guess they sold one of my daughter 's student loans to XXXX XXXX. XXXX XXXX sends a statement each month. My daughter 's school was XXXX ( XXXX In XXXX ). She graduated and has not found a job with compensation sufficient to pay the loans.

Company response to consumer: Closed with non-monetary relief