milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: EQUIFAX is illegally reporting accounts appearing as XXXX XXXX and XXXX XXXX on my credit report and multiple inquiries that came from 1 offer from XXXX. DUPLICATE INCORRECT MEDICAL ACCOUNTS XXXX AND XXXX THAT INSURANCE FAILED TO PAY OR NOTIFY AND WAS SETTLED. This is also very inconsistent with my other reports that they can see as I was duped into buying the XXXX credit over the phone. XXXX/XXXX/17 I disputed these items for a 2nd time with EQUIFAX and they came back verified again but with no verification proof. I contacted both companies and seems everyone either refuses to talk to me or seems to leave me on hold for long periods of time. So, I wrote them a letter demanding them to send me any information on this debt that I was being held liable for and I got no response. This is CRITICLY damaging my credit score and has been for almost 1.5 years without me knowing. They have been appearing as negative items. I called XXXX and they refused to talk to me and stated the only way to fix it is through the credit bureaus. XXXX/XXXX/17 I contacted EQUIFAX and I was told it was verified. I asked what method of validation was used and did n't receive an answer. This is very illegal and goes against all of the federal laws. 

I disputed some items with EQUIFAX and they were not resolved so I decided to pay and get a more detailed report. I tried to setup online but after the signup I was taken to a number to call to verify my info. So I called in on XXXX/XXXX/17 for some assistance with activating my account. I called the number an a foreign gentleman asked me some basic questions and reset my password but nothing to really re-verify who I was. He then asked me why I wanted a login. I mentioned for verifying all my information was correct. He then said great I 'll get your payment now. So I was then sold the XXXX credit report when I said can I not do it online he said I may have problems because of resetting my password. Later, I feel duped and kinda mad the way the guy seemed to speak down to me. I 'm sure those calls are recorded. 

CONF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I want to get the period of late payments removed from my credit report because I paid off the loan early

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   XXXX  known today as "  XXXX  ''  XXXX  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my   XXXX    credit report in the "  Closed  Accounts '' section until it was removed from my  XXXX  credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with   XXXX    along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately,  XXXX  did not accept this evidence so as to remove this account from my credit history. I called again to  XXXX  and they asked me for another kind of letter  XXXX   Credit Correction Letter   XXXX . Then I called again to  XXXX  and they informed me that they " will '' send a  Credit Correction Letter . Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (Other debt) with Byrider Franchising, LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, TXXXXX In went into XXXX XXXX XXXX to purchase a sofa set in XX/XX/XXXX, I had just purchase and my credit would not allow me to get another store credit card, however the sales person told me about the making payments each month until it was paid off. 
Which I did, in XX/XX/XXXX I became ill and I reach out to XXXX XXXX and ask for the pay off amount a the amount was higher that the purchase price of {$990.00} it would be over {$4000.00}, I was in despair and request that they pickup and return, I was told yes they will call me and never did, as I went in for XXXX XXXX I continued to make the payments because I didn't want my credit to be damage, after recovering I call XXXX XXXX again and still no pickup, I contacted to main office still, this is going on now over a year. I have sent court documents and they were refused. this has no end now they have place on my credit report. I was reading up and saw that this? The Federal Trade Commission received 2,779 complaints about XXXX and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. More than 90 % cited aggressive collection tactics.how can a government office allow this to happen each day. why. I need help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a medical bill in collections through Allied Business Services in XXXX, MI. I used their website to set up a payment plan for the amount for a 6-month period. When you do this, it asks you to select the date that you want the payments withdrawn from your bank account on a pop-up calendar. I chose the XX/XX/XXXX of the month. After doing that you hit the submit button and a confirmation schedule comes up on your screen for the split amount and the dates that it will be withdrawn from your account ( ex. X/XX/17,  X/XX/17, etc ). Instead of taking the money out of my account on the XX/XX/XXXX, they took it out of my account on the XX/XX/XXXX causing me to be overdrawn. I chose the XX/XX/XXXX of the month purposely because I get paid on the XX/XX/XXXX. When I called, they said that it 's probably my bank pulling the money on the XX/XX/XXXX and not the XX/XX/XXXX, which does n't even make sense. I requested to be transferred to another person and she refused to refund me the {$64.00} overdraft fee because she said there was no error, and I had authorized the system to take the money from my account. Their system is faulty and pulling the money when it should n't be, and I do n't think it 's right that they can do that when I authorized it to be withdrawn on the XX/XX/XXXX.  They owe me the {$64.00} for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The drop-down menu does not have an option that would be on point with my complaint which is trifold:1 ) During negotiations of the settlement of balance on my credit cards, Amex repeatedly represented and promised that if I entered into a repayment agreement and made all payments on time pursuant to it, my accounts with Amex would be reopened based only on the repayment history. However, when I contacted Amex upon making all XXXX payments on time, Amex refused to reopen my, accounts. 

2 ) During the repayment period of 36 months, neither Amex nor their debt collector - XXXX - provided periodic account statements as required by law. In that period of time, I received only XXXX random statements out of the minimum of XXXX which they should have provided to comply with the law ( quarterly frequency is the lowest permissible under the law ). 

3 ) I believe that my payments were misapplied, and that as a result, the amount I paid exceeded what was owed to Amex. Of course, timely statements, had they been provided, would have allowed me to verify the application of my payments, but I was deprived of the opportunity of such timely verification. Through other sources of information including my credit report, I was able to confirm that in XXXX 2015, Amex reported XXXX of my cards as paid off in full. Giving Amex the benefit of the doubt ( and assuming that they report such information timely ) that card might have been paid off in XXXX 2015 ( if not earlier ). However, Amex continued to collect and apply towards that account a portion of my payment for the months of XXXX and XXXX. Those payments amounted to {$140.00}, and I believe that that is the amount of overpayment which should have been returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Other

Complaint: The synchrony Bank has reduce credit limits on cards that has not been late or late and refuse to respond to emails about payment being late and charging fees when they only had to respond and state the issue, instead charging late fees and reporting me to the report company 's. Also the XXXX XXXX XXXX cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect 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 monetary relief
Consumer complaint received 05-08-2015 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: My Complaintwith Regions Bank, I 've been working with Regions Bank since XX/XX/XXXX on getting approved for a loan on a townhome property, this property is a short sale which means we had to wait for an approved contract. In XX/XX/XXXX my loan was approved by Regions Bank & sent to the closing attorney office for a closing. Regions Bank was well aware that this was a townhome, however we did n't close because the house contract expired due to Regions Bank appraisal delay. 
Why did Regions bank allow me to get a new contract on the townhouse and allowed my loan file to stay in the pipeline with Regions Bank from XX/XX/XXXX through XX/XX/XXXX until we received another contract from sellers bank on XX/XX/XXXX? This new contract was sent from the attorneys office to Regions bank 8-10 days ago at that point the loan file was being processed again. Once again Regions bank is well aware that this is a townhome. Today on XXXX XXXX XXXX., I was told my loan is approved than all of a sudden late afternoon almost the close of business I 'm told we have a problem FHA is saying its a condo. This distressing message is relayed to me by my loan specialist and not a manager who at this point should be on the phone calling me, the customer to explain how any of this can happen. How can a professional, financial institution have not known for five months and also how is it possible that I had and approved loan ready to close from Regions Bank to attorneys office in XX/XX/XXXX with no problems! 
Is there is an underlining issue? The loan is only ( {$49000.00} ). Is the issue that I am XXXX? Is it because I am a woman? or Is it because I am a minority woman? 
Please investigate the protocol on this home loan process with Regions Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out of XXXX six years ago ( XX/XX/XXXX ) and closed all utilities accounts upon moving. I have had no calls, emails, or communication of any kind from XXXX ( utilities service ) or any collector since ... I come to find that they have opened a collections account XX/XX/XXXX for XXXX with " Transworld Systems Inc, '' another company I have not heard at all from.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently relocated to the US in XXXX 2017. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under Transunion and 5 under XXXX  ). This was done without my approval and without even informing me.

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XXXX XXXX 2017 which is the date I was in the dealership.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   Trans Union  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX   XXXX  Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  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 non-monetary relief
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with Williams, Rush & Associates, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving continuous calls even after I advised them to stop calling me. I have sent them a cease and desist letter which they have completely ignored. They have been leaving message and calling all hours of the day I feel this is now becoming harrassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In  XXXX  of   XXXX   I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only  one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter.     Prior to this time Convergent or  XXXX  had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.

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 07/25/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (MD).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: On XX/XX/XXXX I applied to refinance my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I 've purchased two BMW vehicles with XXXX XXXX, my payment history is very good with XXXX XXXX, which they allowed me to not make two months of payments, which will be push to back of car loan, due to my Great Payment History. They denied me the right to refinance the car. I called XXXX XXXX at XXXX on XX/XX/XXXX to inquire of the status of my refinance application, they informed me that I was denied, without reasonable cause. I believe that I 'm being discriminated against, or what you call " Red-lining '' i.e., in the real estate industry, I presume it is the same terminology being illustrated in this situation. The interest I 'm paying on the vehicle is 10.4 %, which is extremely High, I was taking advantage of, when purchasing this vehicle, I hope that the CFPB will assist me with protecting my rights as a consumer. Car Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank You, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In early XX/XX/XXXX, while filing XX/XX/XXXX taxes, I realized that my private loan XXXX statement had no interest claimed on it. Upon further research into my payments ( interest amounts etc ) and research into obligatory reporting by lenders I found that several thousand dollars in interest SHOULD have been reported and were not. I contacted Navient, the lender and after sending them paperwork verifying that I was a XXXX XXXX XXXX AND the money was used for tuition/school related expenses ( they claimed it was not ) they did in fact issue an amended XXXX for XX/XX/XXXX. 

Realizing this had been the case for XX/XX/XXXX I then researched what interest I claimed on my taxes for XX/XX/XXXX for my private loans serviced by Navient. Although I was in school for part of the year in XX/XX/XXXX and had deferred my loans I still had payed well above the {$750.00} legally required for it to be reported ( in fact I paid close to {$3000.00} that year as well in private loan interest ). I made another phone call and they requested I submit the EXACT SAME FORM I had already submitted for XX/XX/XXXX-in fact there was nothing, whatsoever, that would have differentiated these 2 forms. Initially I was resistant to doing this again as it involved faxing these forms at MY expense of time and money to them and they already had signed proof that the money they loaned me was used for school while I was a XXXX XXXX XXXX. Over the course of XX/XX/XXXX through now ( XX/XX/XXXX ) I contacted them at least twice a month and submitted these forms for XX/XX/XXXX not once but twice and they have still not provided me with an amended XXXX for XX/XX/XXXX. Most recently I contacted them on XX/XX/XXXX and they said the form would be available by XX/XX/XXXX- this did not happen. I called today and they said it would be sent by email within 24-48 hours, the same story as all prior phone calls. Each time I call they tell me in 24-48 hours I will get an email with the amended form or that it will appear in the tax statements section of their website when I log in. I have spent many many hours on hold and on the phone with them for a form they have a legal obligation to provide to me with the correct interest amount on it and I believe they are simply running me around.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding has been calling me and mailing me for a long while claiming I owe them {$9200.00} on a XXXX account numbered XXXX. I have stopped paying all XXXX accounts as of XX/XX/XXXX due to facing devastating financial losses at the time. We know XXXX does not allow reporting to credit bureaus on delinquent accounts that are over 7 years old. I contacted XXXX, and they confirmed that no such account number existed in their systems. I have detailed stored information on my servers going back to XX/XX/XXXX and I attest that I have never had this account. I contacted Midland Funding and they had me on hold for very long times, and were not willing to send me proof of payment made by me on this account less than 7 years ago. I am getting declined on credit applications due to this derogatory information being reported by Midland Funding. 

They have themselves admitted to XXXX on the attached report that the account was to come out on XX/XX/XXXX, yet they are not willing to remove from XXXX. I have disputed with XXXX, but they claim Midland will not remove. 

I request the assistance of the CFPB to get them to immediately remove this false and damaging trade-in/collection. 

Thank you

Company response to consumer: Closed with non-monetary relief