milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 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: Account information incorrect

Complaint: I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXXand XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX.  But XXXX refuse to take actions to correct this issue.

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 09/23/2017 about Debt collection (Other debt) with ProCollect, Inc (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX/XXXX/XXXX both my son and I were contacted on our cell phones with a message left by Pro Collect, Inc. On the same day, we returned the call and were advised that they were collecting {$50.00} for an unpaid charge from XXXX XXXX in XXXX , SC ( an apartment complex where my son had lived and moved at the end of his lease on XXXX/XXXX/XXXX ). I explained to the Pro Collect representative that the charge was in dispute because the touch up paint work ( which is what the {$50.00} related to ) had not been done. Pro Collect would not note the file as in dispute on " refusal to pay '' and threatened a " hit '' and " ding '' on my credit report as well as my son 's if payment was not received by XXXX/XXXX/XXXX. This was only 3 days from the date of contact. Asked for something in writing - was told that would take 5-7 days but I still had to pay within the 3 days. Pro Collect would not fax nor email the requested written information. Pro Collect representative said " well we mailed a letter and must have been sent to a wrong address ''. But the representative could not verify to me what address the letter had purportedly been sent. I have been in touch with the apartment complex to sort this out, but so far have not been in receipt of any substantive information. Only been getting the run around here to. I have had to pay the {$50.00} plus {$7.00} collection fee via credit card today via Pro Collect website because of fear of credit reporting issues. I am appalled at the extortion that this company uses to collect funds. They refuse to work with you even when you are above board and NOT avoiding the calls or issue at hand. All I wanted is for Pro Collect to annotate the file as disputed to enable me to again follow up with the original credit for resolution of the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I called in and I open up account with capital one 360 and I was told that I violated the terms and conditions and I have n't done anything wrong at all and they also told me that someone open a account in my name last year around 2016 of XXXX and I did n't open it up and at the end I was told I ca n't have a capital one 360 checking account ever again

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is reporting an account to the  XXXX  credit bureaus  XXXX ,  XXXX , and   XXXX   for a balance that I paid completely off in  XXXX ,  2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am having continued issue with an account that is reporting on my credit report with XXXX account number XXXX. XXXX is refusing to remove the account from my credit report even though i have supplied them with evidence showing this account was not opened by me. Experian is reporting the account as if it was a business account target in their response to the CFPB said this was a personal account. The account states that it was purchased by another lender which originally it was XXXX XXXX XXXX but the account was then returned to XXXX due to the fraudulent nature of the account. The account is reporting Charged off on 2 seperate months and years XX/XX/XXXX and XX/XX/XXXX I would like to dispute all of the above mentioned factors with Experian and they are not allowing me due to the previous disputes. I need this investegated and for the account to be updated accordingly.

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 12/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across Experian, XXXX, that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all XXXX did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Credit reporting () with Credit Karma, Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My social security card is not matching my name what do I do? I tried my maiden name and my other husbands name also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with  XXXX  ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from  XXXX  to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since  XXXX  runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

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 01-06-2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HONOR FINANCE, LLC (FL).
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: The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient has consistently misapplied payments and now for the second time has only credited me with a portion of a payment with the remainder missing in their system. I utilize online bill pay through XXXX XXXX  and I believe the payments are electronically sent to Navient. 
I make two separate payments to Navient. One for Federal loans and one for Private loans. This month, for my XXXX XXXX payment, Navient properly applied my {$150.00} payment for private loans. For federal loans I made a payment of {$1300.00}. They have applied {$1200.00} toward my federal loans, putting me in default. They have a ticket in to find the remaining money that I paid and I have provided a copy of my online statement showing the payment being made. A similar situation happened several months ago and was resolved but I do not have any paperwork for that instance. 

For payments made XXXX XXXX, XXXX XXXX, and XXXX XXXX, Navient improperly applied {$170.00} each month from my federal loan payment to my private loans ( instead of applying {$150.00} to my private loans each month they applied {$270.00} XXXX. Always the same amount, always putting me in default. Each time they rectified the situation but if I was n't constantly tracking I would have potentially remained in default and lost benefits for being in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/14/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing disputes

Complaint: I applied for and received a Care Credit Card XX/XX/XXXX. My understanding was that if I paid my balance in full by the deadline - XX/XX/XXXX - I would accrue no interest. I have made regular payments, and when I had a late payment I paid the late fee along with the payment. I have never exceeded the limit of what I was told was the limit of my promotional balance. 
On XX/XX/XXXX I submitted what I believed to be my final payment. For the first time ever, I did not receive a confirmation email. My payment was deducted from my account. 
When I called customer service this morning I was told that I had paid my promotional balance - but still owe {$2.00} on it. However, I have another balance, which is accruing interest at 26 %. The man said that the promotion balance was a separate matter. He said I still owed on XXXX balances from this year ; I wrote down what the balances are, but then as we spoke he kept giving me different balance amounts. 
In short, I feel deceived and frustrated. I do not object to paying what I owe, but I do not think I should owe interest on what was supposed to be an interest-free account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have spoken with navient numerous times and expressed financial hardship I have made requests to start repayment that is affordable for me they have refused to assist and have reported on my credit inaccurate information. They have not furnished the information requested by attorneys and continue to evade my request to correct the information reported

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In review of my Equifax Credit report I discovered XXXX bankruptcies and XXXX judgments. There XXXX items and dates of these filings are unknown and may have been filed by and against someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
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: We were working with a doctor in XXXX who told us he was going to help us iwth our son who suffers from XXXX. He claimed to be able to help with XXXX and XXXX  issues as well as improving communication skills ( our son is non-verbal ) His " treatments '' did absolutely nothing except cost us close to XXXX $ We attempted to dispute the charges with American Express however they states that the Dr. had provided adequate documentation to uphold the charges. 

While our dispute was ongoing, the Dr. was accused, convicted, and plead guilty to tax evasion charges ( charges which included providing false information to the IRS ) https : //www.justice.gov/usao-sdny/pr/westchester-neurologist-pleads-guilty-manhattan-federal-court-tax-fraud-violation We argued with XXXX that his conviction on tax fraud and willingness to defraud the govt and provide them false documentation should be taken into account when considering our claim. An individual who had no qualms about lying to the govt would surely have no issues with lying to his credit card company. 

In the end, XXXX ruled in favor of the doctor. We had to take out a personal loan to cover the XXXX $ bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Other transaction issues

Complaint: i send the money from United States to XXXX but the person to whom i send lost his ID now i want to change the name of the recipiender

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach and my information is believed to be compromised.

Company response to consumer: Closed with explanation