milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a dispute with you all back on XXXX/XXXX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the XXXX round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The account was opened XX/XX/XXXX with XXXX XXXX XXXX by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XX/XX/XXXX and i found out after the dissolution was made. The file was sold to Midland Funding LLC and i never received notice that it was in debt of {$720.00} and now being sued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. 
Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have collection from XXXX XXXX on my credit report. I send XXXX XXXX a validation letter and they responded saying that they have suspended all collection activity and credit reporting on this account. I sent the letter from XXXX XXXX to Equifax ( other XXXX bureaus already deleted it ) and Equifax responded on XXXX XXXX saying they verified the account. This should have been an easy fix and I am having to spend all this extra time during work hours trying to get Equifax to follow the rules and laws. My understanding is that if I have a letter from the actual collection agency that states they can not validate the account at this time therefore they are ceasing all collection activities then according to the FCRA, FDCPA and the Texas Finance Code, the credit bureaus including Equifax must delete the account. It seems thy are ignoring my proof and simply sending an auto generated letter to me. If they would have taken the time to read the letter I sent them from XXXX XXXX they would have deleted the account. I am requesting CFPB, read the letter I received from XXXX XXXX and then request Equifax to remove this from my credit file or ask them why they have not removed an account that is clearly not verifiable as there letter to me states. Thank you soooo much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Medical) with Account Services Collections, Inc (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently looked at my credit report and saw that I had a debt in collections. I would have immediately paid this debt if I had known about it but have never received a notification of it. It was a {$110.00} medical bill that I have since called the hospital about and paid it since it was still in their system, but this debt has negatively affected my otherwise spotless credit report. I need to know where the communications about this debt were going because they were not going to any of my residences since the debt went to the collection agency. 

This debt has been on my credit report since 2012. I have not been contacted about it since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Parent plus private loan for XXXX my XXXX year XXXX of college at XXXX, my parents helped pay the interest down every month until I graduated, I then got a letter about XXXX months after I graduated with a late payemnt ... have been paying XXXX aka XXXX XXXX aka XXXX 12 and 11.75 interest rates on this loan.. over XXXX has been paid back on this XXXX dollar loan and I still owe XXXX ... my next highest interest rate is 5 % I believe for other companies.. it 's forcing my to live in my parents basement and I 'm an investment advisor with a series XXXX, XXXX, XXXX and life accident and health insurance license. It 's cases like this that kill credit scores, slacken the housing market and depress the middle class. I 've written to navient XXXX times and an uninformed individual picks up the phone who never helps. Navient/XXXX//XXXX XXXX most likely got that XXXX they loaned me for XXXX for 0 % because of the federal Reserva q/e and I 'm fed up with how they 're taking advantage of the American dream, my parents did n't get to go to college so it was always drilled into my head that it 's anot opportunity I have to take advantage of. College ceos who raise out of state tuition and in state tuition no this all to we 'll and it wrong. When it comes to profit margins college education, especially state universities, should n't operate on the same principles that for profit corporations do. 

My name is XXXX XXXX and I believe in the words I just wrote and I think many other people do to. I 'm far from a XXXX and I 'm pro capitalism but for a while one would say " there 's something going on here and you do n't know what it is, do you XXXX XXXX '' ... well I think more than I have figured it out and it 's time to correct the next bubble before it bursts. 

( The {$15000.00} is a real figure, not my total loan just XXXX and I know others have it worse but I 'm sick of my own country taking advantage of age old ideology of college and federal policy loop holes )

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I left the corporate world to join the world of education because I believe that public school instruction is one of the most noble things you can do. After a large pay cut as a result of this decision, I decided to go back to school and obtain a XXXX XXXX in XXXX XXXX. In order to do so, I had to take out several student loans. Afterwards, I accepted the opportunity to put my loans off until I was in a position to pay them. The process resulted in several lates as a result of the deferments. I was later offered an opportunity to take part in a rehabilitation program to get my loans on track. I was told by the Department of Education and by Navient/XXXX XXXX that one of the benefits of joining the rehab program is that my late payments would be removed from my credit report since I would be consolidating my loan ; otherwise, I would have a TON of late payments and several listings on my credit report. I quickly agreed. I have completed the rehab program and now they are refusing to remove the lates and old postings from my credit report! This is impacting my score greatly. I have reached out to the CEO of XXXX XXXX/Navient and to the Dept of Education and no one will listen! I have over {$180000.00} consolidated in student loans under one listing, which is right, but then, there are a TON of old accounts - all with SEVERAL LATES. How am I suppose to move on with any form of quality life if my credit is destroyed as a result of this? I feel that I was completely misled. I am the primary caregiver for my XXXX XXXX XXXX mother who now needs special accommodation in her home since her XXXX. How am I supposed to reestablish credit and support her needs and mine if my credit is destroyed. I have lost all faith in the student loan process. When my students ask me about going to college and getting a student loan, I absolutely cringe at the thought.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: unauthorized person withdrew money from my savings account on XX/XX/XXXX, 2017 from Ally Bank/XXXX XXXX, XXXX. <P/>Person of interest is an employee.

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 08-11-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (IL).
Issue: Managing the loan or lease

Complaint: I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The issue first started 6 months after graduation XX/XX/XXXX, when XXXX XXXX XXXX who was the original loaner ) called and sent letters regarding repayments. Since day one, I have been harassed, threatened with legal actions, and my credit has been affect. After many times I explained the poor job market XX/XX/XXXX after the housing bubble collapsed, that my career could not come close to paying variable percentages. The job I had gotten XX/XX/XXXX with a bank laid me off XX/XX/XXXX, ending up with me going on unemployment. 
Luckily I found a lawyer that helped me in filing bankruptcy, but could not dismiss this private student loan. At least XXXX XXXX FINALLY negotiated a lower payment of {$250.00} per month. 
XX/XX/XXXX, I started working again and religiously made those payments. XX/XX/XXXX, I lost my job due to a corporate buyout by way of layoffs. I called Navient, now the loan owner of the private student and federal loans, stating the loss of my job. After a few conversations, they are unable to reduce the payments. Now, after 4 months of being unable to make payments, Navient is threatening to litigate against me. 
This loan is preventing me from getting a vehicle loan, unable to rent and causing problems with getting a new job. 

I have also had a name change, originally XXXX XXXX XXXX, to XXXX XXXX XXXX. 

Attached are information about the current loan balances, Navient 's " let us help you '' letter, and a letter threatening litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We believe Fay Servicing & the investor behind our loan been purposely delaying the short sale process, ignored the short sale request and valuation disputes, did not cooperate with seller or buyer or their respective agents even though there is every evidence that the short sale valuation was most legit and up to par value of not only their own BPO ( Broker price opinion ) but our buyer 's offer, and additional appraisals & reports done by licensee 's. They have refused to send additional inspector even though they promised in writing and agreed to consider their original request was outrages. Their staff dragged the time purposely, knowing the market is changing and forcing homeowner to do deed in lieu by threatening for foreclosure and not responding to the short sale request. The detail of the complained will not feet in this section, so there is an additional letter in a separate attachment including most evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Wrong amount charged or received

Complaint: This is the last of dozens of emails I sent to Coinbase about my issue. 

Hello XXXX, Thanks for the response. My account has not been secure at all on coinbase. I have been on customer support longer than coinbase itself because I have had grave concerns about its security. Last month I made a {$2000.00} bitcoin purchase. I was double charged for that purchase. Then I was charged another 2 payments for {$2000.00} each so Coinbase illicitly charged me {$6000.00}. I called customer support and asked that the those charged be wiped out. I was given a {$4000.00} credit reversal and now Coinbase and I are square. However, I was given another {$4000.00} of refund from Coinbase because from what I read on your support site, this was a widespread issue. Now I am up {$2000.00}. There is an attachment of my bank statement that proves that I was paid 4 payments {$2000.00} and they are differently labeled to suggest one batch of 2 payments was a result of my phone call and the other the natural repayment of what I assume is a group of customers who had the same issue. Now, I had already told my bank not to permit Coinbase from withdrawing money from my account, which I was absolutely in the right to do as I was improperly charged three times, so instead of Coinbase just contacting me and asking me to deposit in the account, I lost half a bitcoin, which, as my asset, has cost me far more than {$2000.00}. While monetarily we are even now, the issue here, XXXX, is that due to this whole issue with Coinbase making a slew of errors, I have lose my bitcoin. What I have been fervently pushing, is permission to repurchase that exact amount of bitcoin for {$2000.00} cash, effectively renege that last transaction, since this was all a series of errors from Coinbase. I should be asking for additional compensation due to the slew of issues of time and absolute pain in the XXXX this was, but all I want to do is restore the status quo. 

Additionally, you may seen from my bank account that I work for XXXX, a leader in cyber security, so you can believe that there is nothing I take more seriously that the security of my money and my cyber-assets like bitcoin. My assets which have been violated 4 times now, 3 times with improper {$2000.00} chargers, as well as the 4th time in taking my asset which is far more valuable as an investment. 

I look forward to hearing from you to get this resolved- this has taken weeks to sort out and I hope that it can conclude soon. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Shopping for a loan or lease

Complaint: GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. 
Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. 
Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. 
Ally would never correct information to reflect positive account. 

Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. 

Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. 

All transactions took place in XXXX Fl. 

The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. 

GMAC went out of business Ally took over their obligations. 

No one at Ally will talk to me to resolve this issue in the last seven years. 

Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. 

Clearly Ally never updated GMAC records as GMAC went out of business. 

I am left to carry the financial burden and negative credit bureau mis information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We are involved in an active state mediation program with Bank of America. The attached statement from Bank of America indicates that the loan is in the foreclosure process on page XXXX and XXXX. On page XXXX indicates that Bank of America , N.A . has made the first notice or filing required by law for foreclosure. This is a dual tracking violation to be threatening foreclosure while we are in active mediation. 
Please cross reference with previous complaint case against Bank of America, case # 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 03/24/2017 about Debt collection (Payday loan) with MARINER FINANCE, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my cell phone from different numbers throughout the day everyday and my work phone. I had a message at work to call the guy from the actual company which tells my coworker where the call is from. Just today a girl called me from a cell phone and when I answered and realized who it was from I hung up. She called me back to back at least five times.

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 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Report did not reflect my financial status, thus a credit application to XXXX was refused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: inquiry was removed from my credit report and it was reinserted on my report

Company response to consumer: Closed with explanation