milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 I checked my XXXX account and had a total of XXXX hard inquiries removed from my credit report. Once again I checked my XXXX account on XXXX XXXX, 2016 and all XXXX hard inquiries were re-inserted back onto my credit report. I did not receive written notification about this re-insertion according to the FCRA section XXXX. I have been calling Transunion about this matter, and keep getting very rude individuals who barely speak english. I ask repeatedly to be transferred to a manager, or the department handling this. Each time I am told they can not transfer the call, and hang up on me. I keep getting told that there was a glitch in the system, and that they will not fix this for 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 non-monetary relief
Consumer complaint received 03/24/2016 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX has committed fraud, predatory lending, and has ripped me and XXXX other young students off. XXXX XXXX has completely ruined my financial futures with lies and deceit. They pulled the XXXX degree program out of the school after I had already started attending to obtain my XXXX XXXX degree. Then they placed me into a different XXXX degree program without ever having the proper prerequisite courses to prepare me for the XXXX program. They have completely set me up for failure and have lied to me every step of the way. My campus in XXXX XXXX, FL is now closed down and I have absolutely no recourse. I have been paying these fraudulent loans for close to 10 years and I still have a long way to go. Everything they have promised me has been a complete lie and I am seeing absolutely no benefits from attending this school. I had to do many months of research to find out where these loans even come from and who is backing them. USA Funds Inc are backing these fraudulent loans and they have done everything they can to hide this fact. The Department of Education has given XXXX us, who have filled out Defense to Repayment applications, the complete run-around and are trying to sweep us under the rug. They are profiteering on the hopes and dreams of young people and are crushing them with unmanageable debt. XXXX XXXX is a complete scam and if you do a simple XXXX search of XXXX XXXX you will see thousands upon thousands of negative opinions of the school and the myriad of lawsuits filed against them from attorney 's general, The SEC, The CFPB and many others. These toxic, fraudulent and predatory loans are backed by USA Funds , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (MS).
Issue: Unexpected/Other fees

Complaint: When I deposited a Western Union money order into my checking account, it was not honored by Western Union. As a result I incurred {$10.00} in fees from my bank. Further, Western Union stopped payment on the money order. When I called Western Union to correct this, the person I spoke to told me to send them a copy of the money order and the money order receipt. The person I spoke to specifically told me I would not be charged any fees since the money order was valid and the problem was not my fault. 

Even though I followed their requirements, They sent me a check for {$480.00}, and not the value of the original money order - {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found out that Equifax had the wrong name, social security attached to my name not only that different aliases and addresses as well. I contacted Equifax and I was advised to send in proper documentation via Fax to prove my identity and I was in compliance. I went to XXXX OfficeXX/XX/XXXX and paid to color copy of my SSN with my DL and send the fax to Equifax Dispute Department. I then contacted Equifax again days laters to see if they had received my documents and they hadnt, so I waited again. Days had past and then I receive my 1st confirmation email from Equifax, So I thought they had initiated my disputes and definitely my documents. So I called back and gave the 1st confirmation number and they had informed me that they had updated my information and received my documents and that now Id have to wait until the other investigation was done ( which I didnt know I had 2 different disputes ). So 2weeks go by and I receive another email with an estimated time of XX/XX/ for the last dispute to be fixed. So they had ( 4 ) collections removed but the still have my social security number incorrect and the same credit report with all the fraudulent medical collections are being pulled from Equifax to my credit union, denying me everything. Twice. The report still shows the same information that I hadnt the same ( 2 ) disputes about. I called almost everyday since XX/XX/XXXXand I keep getting the run around and Im always talking to to someone from out of the country who barely understands what Im talking about or saying.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the Navient Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked Navient to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was not aware or notified of the alleged debt until my credit was pulled for the new apartment i applied for.The highest balance according to the report on my credit is {$5200.00} and the balance is $ XXXX immediately contacted the collection company IQ DATA INTERNATIONAL on XX/XX/XXXX and spoke to XXXX asking him to provide me a written statement for the debt. I asked him to send it to my email which he refused to do. I gave him my address instead to mail the statement to which he reluctantly took. I asked him when should I be expecting the statement and his replied was I do not work in the post office. According to the law, they should provide me with the statement within five business days. I called back on Monday I spoke to a lady which refused to give me her name, she said I would get by Friday, but when Friday comes I did not receive any mail from them. The effect of this debt have lower my credit score and lost two  apartments I applied for including the application fees. The original creditor is XXXXXXXX XXXX XXXX, which I rented a one bedroom apartment for $ XXXX  monthly rent between XX/XX/XXXX and XX/XX/XXXX. I asked them if they can provide me a statement of my rent payment history while I was living in their apartment. The accountant in charger XXXX told me that he could not find anything on my name but they also refused to provide my account statement while living in their apartments. Prior to me moving in in XX/XX/XXXX, I paid a three way rent of {$2400.00}, the first and last month rent and down payment. I moved out at the end of my lease and never received back my any portion of my down payment. I do not know what the alleged debt was for. i was never evicted or notified or provide any documents that show why i am own them the huge amount. Since i did not receive any written statement from IQ DATA, I will be sending them a written letter of dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The dispute could not be filed because I could not verify mortgage, auto loan, and store credit cards I never applied for and know nothing about. The dispute is an Equifax report showing an open XXXX wireless account in XXXX XXXX years ago when I 've lived in XXXX all my life and at the current address for XXXX years. If contacted I 'm sure I can prove my place of residence by paystubs, unemplyment records and public assistance records in XXXX. This is plainly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Transunion multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : XXXX was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also XXXX others that are more recent but are not mine. I have also contacted the courts to see if they provided Transunion with this inaccurate information and they stated " No. '' Please see attachments. I need your assistance in getting this matter resolved and removed from my credit file.

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 02-02-2017 about Credit reporting () with AES/PHEAA (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The student loan company is reporting inaccurate information. I 've sent them emails on XXXX different occasions and asked that they correct the reporting. My student loans have been in deferment during the periods they say payments were late. The student loan company provided me with documentation of the my student loans deferment history which shows the loans were deferred the times they reported it to be late. This is becoming redundant. This is an easy fix and I would like them to remove the negative reporting from my bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: " Collection Agency '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX. XXXX XXXX XXXX claims to be Representing the best interest 's of the Creditor - Citibank N.A. ( Goodyear ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to XXXX XXXX XXXX XXXX which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with XXXX XXXX XXXX XXXX I am under " No '' Legal obligation to any collection agencies, and my written contract was with Citibank, N.A ( Goodyear ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX paid {$2800.00} for airline tickets XX/XX/XXXX paid {$7100.00} charged double for the exact same airline tickets. 

I notified the credit card company XXXX XXXX they denied my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of    XXXX   2014   ,    XXXX   2014    90 days past due as of    XXXX   2014    60 days past due as of  XXXX   2014 ,   XXXX    2014  30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: During my duties as a XXXX of XXXX, XXXX, a construction company on XXXX XXXX, one of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with AR Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I agreed to a payment plan with AR resources Inc. starting in XXXX XXXX to pay a monthly payment of {$20.00} per month for XXXX XXXX XXXX Medical Center I have paid consistently to date I have paid a total of XXXX XXXX, XXXX {$400.00} however, I sent an email to AR resources on XXXX XXXX, XXXX requesting my new account balance and an explanation of charges I have not heard an answer. I

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other fee

Complaint: After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Bank of America added a {$1.00} charge labeled as both " interest '' and a " fee. '' This is misleading since this is a fee-free account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I tried to pay my outstanding debts with Citi Bank, but they refused to accept my payment, because it is a bank based in the XXXX. I am trying to pay off my debts, and I do not understand why they will not accept a payment from me. I do n't see why it matters that it is a XXXX bank, given that Citi is an international banking institution and has no problem dealing with foreign institutions or money.

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 10/16/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM XXXX XXXX XXXX THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had visited the ER because I received an injury and did not have any medical coverage or income to cover the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Other mortgage) with Homeside Financial Services, LLC (NC).
Issue: Credit decision / Underwriting

Complaint: Mortgage broker did Credit inquiry on my credit report without authorization. 
Talked w/ husband heard him telling them not to do Hard pull, meanwhile I gave no XXXX authorization to do a credit check on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: violates HIPPA, CRA. Sent police report and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a surviving spouse of a property held in Joint Tenancy in the state of California. I am on the Trust Deed but not on the loan. I have since filed an Affidavit of death ( By Surviving Spouse ) at the XXXX Recorders office, and title has been placed in my name solely, as allowed by California Probate Code XXXX. Since the passing of my wife it has been difficult for me to maintain payments on the note for the last 2 and a half years on my income alone. After careful consideration, I have concluded that the best option for me at this time is to try and have the lien holder approve a short sale, instead of letting the property go to foreclosure. I am still underwater on the property approximately {$80000.00} dollars, with the majority being owed to the XXXX lien holder. I have a real estate agent and a short sale negotiator working on the file, but the Servicer of the first loan Seterus is holding up the deal saying that I am not authorized on the loan, and that I need to go to probate to get authorization from court to sign on my deceased wife 's behalf. I have consulted with an attorney and I do not have the fees requested in order to file a case. It is my understanding that the purpose of holding title in Joint Tenancy is to avoid probate. The short sale negotiator has informed me that XXXX who is the investor on the loan has approved the short sale, but for whatever reason Seterus who is the servicer only, is denying the short sale. I currently have an accepted offer on the property and would like to proceed with the sale. 
Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation