milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.

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 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several items on all XXXX of my credit bureau reporting agencies. So far, I have received minimal help as well as help verifying information that is place on my credit report. I have not been able to get any proper documentation from a company listed on my credit report nor has the credit bureau responded in the bet manner

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : Experian, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, 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 11-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mother 's home was full paid and she applied for a mortgage in XXXX her only steady monthly income at the time was SSA benefits. She received the mortgage with payments of about $ 700/month. She passed away in XXXX and I have been trying to assume the mortgage since her passing. Complications arose from the beginning with the mortgage company not responding to the request ( multiple requests were sent for assistance ) ; there was multiple mortgage service providers ; dealing with the death of my mother and my own health and financial issues. The last company holding the mortgage again either did n't respond to requests for assumption application or repeatedly asked for the same information multiple times EVEN after acknowledging they had the information. The amount owed on notices were different, the POC changed multiple times ; notices were not being sent to the proper mailing address. The mortgage company took it upon themselves to change the mailing address. The mortgage company and the servicing provider even gave the neighborhood housing counselor a hard time in responding to requests and acknowledging information receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with BARCLAYS BANK DELAWARE (NH).
Issue: Balance transfer

Complaint: Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. 

The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 

2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. 

The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hippa Violation, asked for validation and they send an itemize bill which is not validation, show prove like a contract between you and I, never heard of CMRE and never done business with them to owe them

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with KeyBridge Medical Revenue Management (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of the said collection account.I have no knowledge of the said collection account and would like it to be removed from my credit reports because it is affecting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Americor Funding, Inc (NM).
Issue: Confusing or misleading advertising or marketing

Complaint: I received an offer in mail about a credit card loan consolidation offer. They had my outstanding balance and average credit card percentage listed. The offer listed a offer for a lower rate along with my propossed new monthly payment should I accept the offer. The proposed new montly payment was much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other

Complaint: American Express have me listed as dead an will not take it off unless I pay the tol. bill in full they call me an said that as long as the bill is not paid they will not remove it I have talk to the XXXX credit reporting co. an they told me to contact you I`m not able to keep my job if this is not fix an can even buy a car an being told by my credit card co. that this is on my file an if I`m not the person that I`m breaking the law by using some one eles identity I am not dead American express is doing this because I cant pay what they want. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MO).
Issue: Fraud or scam

Complaint: I have been a customer of Rushcard since XX/XX/XXXX. On XX/XX/XXXX i received a refund over {$2400.00} to my rushcard from my Home Mortgage Insurance company. Rushcard immediately froze my account and labeled this matter as fraud. They would not even allow me to access funds i already had in the account before the refund was deposited into my account. i sent in proof of my identity and the insurance company sent in proof of this transaction showing it is legeit. Rushcard will not allow me still to access the funds that were previous in my account. i have XXXX kids to feed and i have no money because all of my money was on my rushcard debit card. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my credit report with Experian and learned of an account with XXXX XXXX that I am not familiar with. I attempted to dispute this account with XXXX XXXX via certified letter with the contact information provided on my credit report by Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This letter was returned to me on XXXX/XXXX/16, not deliverable. I then sent a certified letter of dispute to Experian requesting this account be deleted from my personal file due to inaccurate reporting information with copies of my returned certified letter and proper identification. The above case number was assigned as a result of my letter of dispute of inaccurate information. On XXXX/XXXX/16, I received the results of Experian 's investigation, via letter, stating the account was " updated ''. I reviewed the updated information, and the contact address for XXXX XXXX is still showing as the original address I attempted to send my letter of dispute. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) I am unable to dispute the account with XXXX XXXX to the validity of it being mine, and I have no alternative as how to settle. I am enclosing copies of my returned certified letter to XXXX XXXX, the results from Experian on the investigation of XXXX XXXX as to my dispute of inaccurate information, a letter of Request of Investigation Validation by Experian, and my XXXX request of the deletion of XXXX Funding from my personal file. 
Any assistance in this matter will be so greatly appreciated. I look forward to hearing from you.

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 08-03-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Managing the loan or lease

Complaint: I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months.

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 monetary relief
Consumer complaint received 11-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: During my XXXX years, I took out student loans withteh help of XXXX co-signers XXXX XXXX of which is deceased and the other I have not maintained contct with ). I gradauted with my XXXX degree in XXXX and have struggled most times in keeping up with my student loans I have utilized many forbearances/deferrments. I also took advantage of in school deferrrments while getting my masters and my XXXX XXXX which I am still in the midst of ). Several months ago I contacted Navient wanted to work out a manageble plan to make payments on a regular basis. I have been doing so ever since ( please see attached ). I took a year off from my XXXX program and about a month ago, I contacted Navient and let them know that I had returned to my XXXX program and expected to once again be placed on in school deferment. They said they could not do anything on their end had to wait for my name to appear in the Clearinghouse before approving an in school deferrment. As usual they eluded to teh thereat of contacting my co-signer as they always do if I did not continue making payments. In the end I said okay. Though I did call my school in hoped of them contacting Navient on my behalf to expedte the process, but my school stated that they do not do that and I would have to wait for the XXXX House list to be released to navient. I said okay. 

Immediately following that phone call, I began receiving several phone calls a day from Navient 's XXXX system. This has been happening for a week now. I just logged into my Navient online system because I have been bewildered at the harassing phone calls when I have been and am current. I was shocked to see that there was a message on the left stating that I was XXXX payments behind as well as a tacked on non-payment from XXXX XXXX XXXX which is false ( see attached ), although the payment history shows all my payments made from the point I establshed payments with them in XXXX of XXXX XXXX see attachment of payment history ). The payment history also includes late payments fom when I was under in-school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian Credit Bureau has allowed the " creditor '' XXXX XXXX XXXX to continue to reporting negatively on my credit report even after I have disputed this account several times. Both parties have failed to provide me adequate information to validate or verify this account. So I want it deleted from my report immediately. I have done my very best to keep my credit in good standing and this negative information does not help my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I received my annual credit reports from the XXXX reporting agencies, XXXX, Equifax, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe I may have been affected by the recent data leak of Equifax. As a precaution I will be submitting this complaint against Equifax on X/XX/2017. I will be taking other actions against Equifax to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (DC).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: On XXXX XXXX, XXXX, I initiated a lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. As part of the acquistion process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XXXX of XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When XXXX processed the change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX  residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. HFA has taken this 10 % each month with my automatic payment, which no has my account in a past due status. 

I have spoken with both the XXXX XXXX and the XXXX XXXX. of Taxation and Fianance and clearly this tax does n't apply when tax was paid in another jurisdiction. I have provided HFA with the following information from the District : XXXX Sales and Use Tax Monthly Return Booklet Imposition of use tax A use tax is imposed on the use, storage, or consumption of taxable tangible personal property and services in the XXXX, unless the purchaser has paid a sales tax on the purchase of the taxable tangible personal property or service to the District, or another tax jurisdiction in the United States ( US ) or to a US territory. A retailer that did not resell goods purchased under a resale certificate is liable for use tax for those goods used as complimentary gifts. For additional information see XXXX XXXX XXXX et seq. 

From the same booklet, XXXX is citing the following : Imposition of sales tax A person engaging in business in the XXXX must collect sales tax from the purchaser on : 1. Sales of tangible personal property delivered to a customer in the XXXX ; 2. Services listed in XXXX  Official Code 47-2001 ( n ) ( 1 ) ; 3. Renting or leasing tangible personal property used in the XXXX ; 4.  Charges for rooms, lodging or accommodations located in the XXXX that are furnished to transients ; 5.  Admissions to certain public events in the XXXX ; and 6. Charges for parking, storing or keeping motor vehicles or trailers in the XXXX. 

The disconnect : I was n't a purchaser : I already had possession of the vehicle and had paid tax on it. 

Account status : Past Due : {$470.00} Total Fees Due : {$23.00} Total Amount Due : {$490.00}

Company response to consumer: Closed with explanation