milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report and I found out that I have an account on collection. On XXXX/XXXX/2015 I called XXXX at XXXX. They could not give me answer for this case. I did not have any knowledge of any account for {$200.00}. I believe is a fraud. Can you please remove this from my credit and investigate this case. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My interest is being manipulated, I am being charged HIGH fees, I have screen shots to show my statements not being available to reflect the correct balances. I would like someone to look into the possibility of fraud. I have already expressed my concern to the company.

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 05-11-2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages th  at I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored m  y request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any o
f the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of a  n updated and corrected credit report showing that these items have been deleted.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 05/19/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I currently have XXXX private loans owned by NCT and serviced through AES. I proudly served in the XXXX XXXX and have been since deemed XXXX XXXX and I would like to apply for a XXXX discharge of these XXXX private loans. I 've contacted AES and they could not assist, they forwarded to NCT who offered no assistance. Who do I contact?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: What has now become public knowledge is that there was a MAJOR security breach with Equifax. I am beyond disturbed that the company waited over a month to make this information public. In using the tool provided by Equifax, I was told that my personal information was part of the breach. I was then given a date to sign up for their " free credit monitoring '' for a year. The date given was XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX. The XXXX is the only date I would be able to sign up for the service, and I would not be reminded. Someone else in my same office ( after I checked my information on Equifax 's site ) also found out their information was breached, but received a date of XXXX/XXXX/XXXX to enroll. Upon reading the terms of use for the credit monitoring service ( which was NOT AT ALL easy to find on their website ), I realized that if I did in fact enroll in the free service for a year, I was waiving my right to be a part of a class-action lawsuit, a class action arbitration, or group representation. If by clicking on a date to enroll or by checking my information I waived this right, I will be extremely outraged. It is n't clear how I am agreeing. Does this happen when the date is assigned or when you action sign-up? There was no box to check when I was assigned a date that I accepted the terms of use. My information has already been compromised for over a month, and now I need to wait even longer for protection?! That is just absurd. It is almost impossible as a consumer not to need to have access to credit or get your credit report pulled. For my licensing, I am required to have my credit report pulled. How could Equifax not spend the adequate funds to begin with to protect such confidential information, and why are they being so sneaky about the potential loss of rights included with the of the credit monitoring service? I am assuming that if anything happened to my personal information prior to signing up for credit monitoring/ identity theft protection, I will not be covered. I feel like I have no choice but to deny the coverage, pay for coverage on my own, and seek representation for any potential damages or future damages. I would greatly appreciate your help in forcing Equifax to make their " terms of conditions '' more well known.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Dealer Services repossessed my car two times. The I was unable to make payments because I was on XXXX and my doctor was negligent in filling out my XXXX forms, which caused a delay with my payments. I sent Wells Fargo Dealer Services hardship letters along with proof, asking for leniency. My car was repossessed for a second time and I was required to pay my remaining balance in full. I tried to inform Wells Fargo Dealer Services that I was on XXXX and my payments were being delayed because of my doctor. Wells Fargo Dealer Services was malicious, very rude when speaking, and unwilling to help my situation in any way.

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
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently checked my credit report and found an account that was not my account. Upon further investigation of the matter I found that someone used my information without my consent, knowledge or authorization. I reported the incident to the FTC, local law enforcement and other agencies to protect my identity. I filled out documents required of me by law and sent the information to the consumer reporting agencies. I sent everything that I was given including report numbers and followed the instructions of the FTC. Transunion sent me a letter back with a Transunion Identity Theft Victim Assistance Affidavit requiring me to fill it out. Transunion additionally claims that the information that I sent in was missing essential personal identifiable information which is not true. I can submit the information sent to Transunion to prove that every aspect of the documents were filled out and a copy of my DL and SS card was sent. According to the FTC and the FCRA I am not required to fill out the companies form. I sent in a filled out FTC Affidavit with an FTC complaint, a report number, my DL and SS card which was required of me by law. The following account is not my account and I request that it be removed. 
XXXX XXXX XXXXis not my account.. Please remove this account from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 12/21/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Year XXXX, I activated a credit card through American Eagle with a co-signer, my ex fianc, because I had no credit at the time. I was on time for years paying my monthly payments. My total amount due always lingered around {$2000.00} no matter what I paid due to the fact the interest rate was so high it seemed as though I could never get it paid off. I cancelled my credit card maybe a year after obtaining it. I was still just making payments monthly or as I could. I was in a domestically violent relationship with my co-signer who I was living with at the time of activation of this card until I moved out at the beginning of XXXX. I purchased my own car right before moving out, having to do this behind his back so I could get out of this abusive relationship. Once I moved into my house that I rent, in XXXX XXXX, I was now responsible for a car payment, house rent, cell phone, lights, gas, groceries ; things I was not having to purchase before because he controlled every aspect of my life against my will. He made statements that he would pay this credit card off, at the time he had his XXXX for 15 years and was very successful, I was a struggling college student trying to get into XXXX and working at $ XXXX. It became impossible for me to be able to keep up with the payments and intrest rate of 26 %. I was accepted into the XXXX in the XX/XX/XXXX. I had to get student loans, I was not eligible for financial aid, I was going throught emotional stress, my hours at work had been cut in half. it is impossible to pay off this debt especially when someone else was the main user of this credit card besides myself.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Payday loan) with GMA Investments, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call from a debt collection company called " Summit Receivables '' located in XXXX. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is an account listed which is unknown, I have disputed and it remains. I have never done business with a company called  XXXX   XXXX   XXXX  this is unknown and does n't belong to me remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Auto debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express through their Amex offers program advertises promotion through which card holders receive benefits if they make purchase at certain merchants. The card has to be pre-registered for the promotion and the purchase made subsequently. I made such a purchase for XXXX XXXX Membership onXX/XX/17 after registering my card for the promotion which was supposed to give me 5000 bonus Amex points. I have however not received the bonus points even after multiple conversations with Amex who seem to keep promising to resolve this issue in 3 days everytime I have a chat with them. Have tried to escalate this atleast 3 times. I have available the entire chat conversation

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to claim XXXX public records of bankruptcies on my credit report are being " verified '' by XXXX, their public record information vendor ( attached XXXX ). 
My personal file with XXXX XXXX is frozen and suppressed ( attached XXXX ). 
I am disputing the Equifax verification process of these alleged public records.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XX/XX/XXXX I reviewed my XXXX credit report, which listed 8 different accounts from XXXX XXXX XXXX. I sent a letter to XXXX requesting validation/verification of this debt as I do not believe it belongs to me. I received the results of this report today XX/XX/XXXX, which stated these accounts had been verified by XXXX XXXX XXXX. However, I received no written proof of these accounts as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Struggling to pay mortgage

Complaint: My wife and I are seeking assistance in regards to a potential short sale that we have attempted to complete with our lender SPS. We initially reached out to them on XXXX XXXX, XXXX seeking assistance and were advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. We immediately advised our contact at the lender that we had a buyer whom was willing to purchase the property for fair market value per their most recent interior BPO assessment of the property. We worked together on submitting a complete short sale package with all financials, addendum 's, forms and contracts needed in order to complete a short sale review but were subsequently denied. We are asking that allow for the review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. All we are asking for is a chance to review the offer presented as it meets investor requirements. Please help us obtain postponement in order to allow enough time to complete a short sale review.

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