milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX. 

I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX. 

This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX. 

Please could I get some help with this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments. 
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian.

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 12/21/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (WI).
Issue: Problems when you are unable to pay

Complaint: Prestige Financial reported falsely on my credit report that I owe {$14000.00}, the car has been repossesed and the amount should reflect the sale of the vehicle and in amount due that is left over as a result. 

Further they continue to harass me via email with false alligations and tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

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 08/22/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company, Portfolio Recovery Associates, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$460.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXand XX/XX/XXXX of the debt and the account however the business failed to provide adequate proof ( contract, signature, etc.. ) regarding the alleged debt. Considering this business does not have a contract with me for goods or services and was unable to provide a signature or contract from me, I am not obligated to pay for the alleged debt. I have also filed a complaint with the BBB regarding this collection agency and its policy and again they have failed to provide proof or even acknowledge the debt in any substantial way, which has left this matter once again unresolved. This specific account is affecting my credit history with its unsubstantiated inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (I do not know) with AFNI INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Afni ha s  XXXX  collection items.  XXXX   XXXX   XXXX  a  2012  chargeoff.  XXXX  public records showing on my report that are not on my  XXXX  report please remove them from   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 04/13/2018 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 1 credit reporting company that has several inquires on it that I didn't authorize. I called Transunion and they refused to investigate or remove the inquires. The inquiries in question are below. 

XXXX XXXX Bank Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX DC Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX and 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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX Items on my report with experian for re-aging of accounts as accounts were bought by debt collector. Have been paid but do not show the original date of delinquency from original creditor just date debt collector bought and closed. I received response to MY MOV ( method of verification ) LETTER in which they supplied no proof of an investigation and left XXXX accounts on file saying information updated. Now XXXX and XXXX both removed items immediately. Experian chooses to keep listing and as a matter of fact these accounts have been disputed 4 times already along with others and not once has any method of verification been done. You, consumer protection have filed one before for me and it seems all they do is ignore you and ignore myself. Im really getting tired. They have also locked me out of their online site. The object is to one keep people from filing complaints and two to not do their job properly. In mean time consumers get screwed. Im not asking for this to be investigated or reinvestigated or re re investigated as they have had more than ample time to do since first dispute filed in XX/XX/2017. Last being in XX/XX/2017. I want these items totally removed immediately just as XXXX and XXXX did. From now on these companies need to start supplying proof they actually did a proper investigation and supply the names and numbers of people they talked to directly along with documentation. This XXXX has to stop. The XXXX accounts I have included the last request for method of verification with this. I request this also be sent to FTC as this is rediculous you cant get anyone to do their job. Experian response came to me dated XX/XX/2017 Report XXXX I think experian needs to learn law when a request for method of verification is sent to them it isnt to send a form letter or start a new investigation of already supposedly investigated information its to provide proof as sited in the courts that a legitimate and proper investigation was done and if they have no proof they shouldnt report item. Time is out going on XX/XX/XXXX days by law they have 15 days no proof then remove items. I just dont get this company experian. Im learning quick that violating law is how you run a business.

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 (I do not know) with P&B Capital Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: An individual from P & B Capital Group has called me on my phone and at work ( in the Do Not Call registry list ) and left XXXX messages indicating that there is an urgent matter that they want to discuss and that it may be something that I am not aware of. However they feel that they must now contact my employer for employment verification- this is not something that they can do or not sure what the point of that is for. I have not received any written notification of outstanding debt.

Company response to consumer: Untimely response
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have faxed them my police report and I have occur inquiries on my report that I did not authorize. Before anything is done on my credit I am suppose to get a phone call but I do not. I also was suppose to have a block from any other credit inquiries being done so nothing new will pop up. No inquiries or no new credit application unless approved by me. Please remove The inquiries are  XXXX   XXXX    XXXX   XXXX   XXXX     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 non-monetary relief
Consumer complaint received 10-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FIRST REPUBLIC BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am constantly receiving " Notices to Foreclose '' because my lender, First Republic Bank, is not managing my loan properly. I make monthly payments and they apply them to reduce the principle of the loan instead of making the monthly payment as intended. Out of frustration, I set up my monthly mortgage payment as an auto-debit through my XXXX checking account. They did n't get that processing handled either and, again, I received a " Notice to Foreclose ''. I do n't know what more I can do to get these payments made properly. I am completely convinced that they are making errors in order to charge late fees. I am concerned about their errors as it relates to my credit scores. I have owned eight homes over the last 30 years and I have never, ever had these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect addresses and Phone numbers on transunion. They would not help me. They validted my identity by phone but put a hold on my acct. online, Customer service person would not give me and reference info on who she was : Name, I 'D. or location. I asked for supervisor and was put on hold and then hung up on. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not a valid address for me. I have never been to XXXX XXXX XXXX XXXX, XXXX, XXXXA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX are not valid addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Hello, My law each person is allowed an annual credit report from the 3 credit reporting agencies. Every year I get them by following the link at ftc.gov. Except from Experian. Every year Experian 's link is faulty. And when I try and call hold time is between 45 minutes to an hour. It happened 2 weeks ago and it has happened again to me today. The error message is below : We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The link NEVER WORKS. Most people give up and never get a free report from Experian.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: XXXX 2017 was reported late 60 days past due.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry were not removed

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: After having an overdraft account to fund any pending overdraft charges, Huntington Bank has repeatedly charged my account such fees. I have spoken several times with a bank representative, " XXXX XXXX '' at the XXXX location. His direct number is XXXX. 
XXXX XXXX told me that he will speak to his bank Manager to get the funds back into my account, however, it has been three weeks. 
My account has been damaged due to these unauthorized charges. 
Any assistance to resolve this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: Returned vehicle on a lease. Before returning the vehicle I had it gone over by a licensed auto body tech. XXXX dollars spent on nics and scratches. After vehicle was returned I received a bill for {$400.00} for scratches on the car.

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 08/30/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I filed a complaint last month to which they said they responded. The response is a corrupt file. Once again LVNV and failed to provide any proof of dates, balance, how calculated or the debt is even mine. Furthermore, they are inaccurately reporting on my credit reports as current late payments. This is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I applied for and was notified of acceptance of an Federal consolidation loan through servicer XXXX XXXX with an income contingent repayment. I did this to qualify for a Public Service Loan Forgiveness program via Dept. of Ed. I paid my billing via direct deposit and never took much notice to the bills but to note my payments were received.My loan servicer changed to MOHELA, but my payments went asbefore to Dept. of Ed. 
I have paid for 9yrs and was just informed that I did not qualify for the loan forgiveness because my  repayment was not income contingent, but an extended fixed plan! On reviewing old XXXX XXXX bills, I see that instead of IC I was put into a " Standard '' plan. The bills from MOHELA only say " Install ''type. The materials with my Application define " Standard '' as 10yr fixed but apparently the servicer 'slammed ' me into a more expensive " Extended '' 20yr plan - never notified me, AND disqualified me for the loan forgiveness plan in one shady move! If I was truly on a Standard repayment, I would be paying off the loan next year instead of still owing {$17000.00} and having 10 more years of payments!! I am requesting an admin hearing to resolve this and make the servicer XXXX XXXX make this right. I only consolidated with Dept of Ed because I learned of the forgiveness program - I worked for XXXX XXXX XXXX - and sure as XXXX would n't have opted to pay for the rest of my working career when roughly {$65.00} more a month would have paid me off in just 10yrs!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit determination

Complaint: I was denied a Barclay XXXX Credit card. my credit score is XXXX. I have another Barclaycard for William Sonoma. I have always paid the credit card bill on time. My male partner was immediately approved and his credit score is XXXX. XXXX 's asked me to send a copy of my utility bill and my tax return. I did and was denied again. I called and they said the concern was not my credit rating but that they have a lot of fraud. They asked me to send a copy of my Social Security card and my drivers license. I told him enough is enough. I think I am being treated differently because I am a woman and I think the request for personal information is excessive. i 'm feeling harassed. Reference # 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