milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 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: have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax & XXXX to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax & XXXX the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Equifax Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (FL).
Issue: Struggling to pay your loan

Complaint: Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 I went online to my bank account with BBVA Compass Bank, XXXX XXXX, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in XXXX XXXX, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, XXXX XXXX, 2016, XXXX of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've never been approached with any options to lower my payments or interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/2015, I filed a complaint with the CFPB regarding the following re-submission ( please see copy of cfpb complaint ). 
XXXX card member services was attempting to collect a credit card debt from me for the XXXX XXXX XXXX, XXXX credit card that also had my name, XXXX XXXX listed on it. I attempted to resolve this with XXXX XX/XX/2015 to no avail, by the following methods : 1 ) Telephone requests to provide proof that I, XXXX XXXX, was personally liable for this XXXX account. 
2 ) Written request for copy of personal liability for business account-by certified letter dated XX/XX/2015 ( see copy being mailed ). 
XXXX responded with a letter dated, XX/XX/2015 claiming that I was the responsible party for the account according " to their records '' ( see copy being mailed ). 
.On XX/XX/2015 XXXX sent me a letter stating : " Action Needed : Make a payment right away to prevent your account from charge off '' ( see copy being mailed ). 
I filed an online complaint with the cfpb regarding XXXX on XX/XX/2015 ( see copy being mailed ). 
On or about XX/XX/2015, a collection company called me personally about collecting the XXXX XXXX XXXX XXXX XXXX credit card debt, at which time I told then that I had just filed a dispute with the XXXX Consumer Financial Protection Bureau. The collection agent said that they would then send this back to XXXX. 
XXXX then discharged the debt, and sent me a XXXX in the amount of {$8400.00} on XX/XX/2015. 
While the above information was being sought by me, and before the demand letter from XXXX was issued to me on XX/XX/2015, ( see enclosed ) XXXX must have issued derogatory information regarding me personally to the credit bureaus because on XX/XX/2015, XXXX reduced my credit line on my actual personal credit card account, which negatively impacted my FICO score. 
My personal XXXX credit card issuer then followed suit and reduced my credit line impacting my FICO score even further. 
This discharge of the debt has caused my personal FICO score to drop even further and it is my belief that it has caused me to be denied for auto loans, and for an SBA loan for Disaster Relief due to Hurricane XXXX. 
I would like the following relief : 1 ) Remove the charge off from my credit report. 
2 ) Compensate me for the {$8400.00} that was issued on the XXXX XXXX ) Raise my credit limit on my personal XXXX card to it 's former status. 
4 ) Provide me with a loan in the amount and interest rate ( 1.9 % ) that the SBA denied me, due to XXXX 's wanton and malicious maligning of 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 11-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I canceled my mother 's cable account last XXXX, since she is ill and has moved in with me. Her monthly bill was approximately XXXX and was paid up to date. I received a bill from a collection agency on behalf of XXXX for {$440.00}. I contacted them twice to dispute the bill and never heard from them. I was then sent a notice from Sunrise Credit Services. I again disputed the bill. Sunrise Credit Service sent me a statement from XXXX dated XXXX of 2015. The service was cancelled in XXXX of 2015 and the house was rented out in XXXX of 2015.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion LLC  XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   Maintenance Document Control   XXXX . Box  XXXX   XXXX , TX  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since  2013 . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX  Bank to keep the mortgage information on my credit report.   They just recently acknowledged receipt of le tters ( respons es attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to Transunion,   XXXX   XXXX   XXXX   in  2013 , yet they turn ed a blind ey e and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Reli ef Act ( SCRA ) a nd the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCR A, SCRA and  FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our cred it files IMMEDIATELY.

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 10-03-2017 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: Account information incorrect

Complaint: There is an account on my credit report that I have disputed twice with equifax, and equifax wont fix the problem. The account is with the company XXXX XXXX. There is an incorrect delinquency date on the account that was open on XX/XX/XXXX and closed on XX/XX/XXXX. The delinquency date says XX/XX/XXXX. I have contacted the corporate office of credit central and they told me that they have corrected the issue with the dispute that I sent with equifax. But equifax is still reporting the incorrect date in their system. I also have another account with XXXX XXXX XXXX XXXX that equifax is reporting incorrect. The account says included in bankruptcy. This account was not included in my bankruptcy. I have disputed this account several times thru equifax. XXXX XXXX XXXX XXXX responded back to CFPB saying equifax has to fix the problem, but every time I call equifax and explain it to them they tell me to dispute it with XXXX XXXX again for the fourth time. I am so tired of the run around with equifax and these companies. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Private student loan debt) with Central Portfolio Control Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello! I have an account that was sent to collections at XXXX XXXX. Unfortunately, they are in violation of the FDCPA for a couple of reasons. First and foremost, it is my understanding that I am entitled to a written notification within 5 days of first contact from the collector of the amount of the debt as well as my right to dispute. I have not received that information. I verified via telephone that they have my current mailing address. I was also not informed over the phone of my right to dispute. They are also guilty of repeated phone calls. I received the first call on the XXXX on my cell phone. They immediately called me at work ( completely unacceptable!! ). I told them I would speak with them at a later time, when I could deal with the situation. I have clinically diagnosed XXXX, so I very much need some time to deal with difficult matters. They then called me again a few days later, against my instruction. I finally blocked the phone number for my own peace of mind, so I am unaware if they have tried to communicate further.

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 02/27/2018 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: Investigation took more than 30 days

Complaint: I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Medical) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid all of my medical debt off in full. There are XXXX accounts still open on my credit report with a balance of {$87.00} due.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with Atlanticus Services Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. 
On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. 
On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. 
Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Nation Star Mortgage. They took over my loan from XXXX XXXX XXXX XX/XX/XXXX. I have never received a mortgage statement from them for the entire period of XX/XX/XXXX - XX/XX/XXXX XXXX. The XXXX mortgage statement was sent for XX/XX/XXXX. ( Please See Attached ) Nation Star Mortgage never sent me anything advising me that my interest rate was going to rise and go higher. The only way that I found out that information was when I received the XXXX mortgage statement which came as a complete shock to me. My mortgage payment jumped from being {$1100.00} with 4 % interest to {$2500.00} with an 8 % interest rate. The mortgage rate is set to change again as of XX/XX/XXXX. I found out this information by reading the XXXX mortgage statement. My original mortgage from when I first purchased my home did not include them keeping an escrow account for my property. I was responsible for paying my property taxes and my homeowners insurance without it being calculated in my mortgage. Now they want to keep an escrow account in my monthly mortgage payment. I have never received my annual mortgage tax document which tells you the interest to file for your yearly income taxes. The only way that found out this information was by calling in to Nation Star and speaking with someone verbally and they advised me the amount to claim verbally over the phone. But I never once have received anything in writing. I never received any documentation advising me that I was making partial payments toward my mortgage. I have never received any documentation regarding the funds and how they were being distributed that were being held in the mortgage escrow account or for my mortgage account with them period. I would like to stay in my home and keep my home with knowing that I will be able to afford the payment without being put out on the street because of some fraudulent mortgage company who wants to operate by their own rules and regulations. They are not operating on the government set rules and regulations as far as being a mortgage company and dealing with the public. Please Help ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Credit decision / Underwriting

Complaint: My son in law XXXX and I put in a loan application with Citizens bank in XX/XX/XXXX with a rate of XXXX and no points. This is an unusual property and the bank did XXXX appraisals with value ranging from {$1.00} mil to {$670000.00}. The last XXXX came out on XX/XX/XXXX and although he told me the work was done a week later the bank kept saying they were sending the appraisal back because of errors. the bank accepted the appraisal on XX/XX/XXXX. the loan XXXX XXXX kept reassuring me that my lock was in place and I got an email from the bank saying the lock was good til XX/XX/XXXX. The bank kept asking for more trivial documents and letters and then asking me to sign the disclosure which they had n't sent. When it came the rate quoted was XXXX instead of the XXXX promised. When we objected XXXX said they would meet us halfway, but instead for every drop in interest they were adding points. When I complained, i was told the election had changed everything and the market was different now. 
My contention is that the bank 's endless obstructions and delays were to avoid paying the rate contracted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with Midwest Recovery Systems (GA).
Issue: Using a debit or ATM card

Complaint: Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation