milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed a complaint XXXX which was resolved to my satisfaction by USAA 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, USAA reverted to the prior incorrect reporting with XXXX and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, USAA has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted this company multiple times asking this to do a full investigation regarding these multiple inquiries and he fact that my social and name had been changed as a result these inquiries popped up and were not authorized. They failed to properly investigate my request and also never sent proper validation as to why these are accurate and valid inquiries. I contacted these companies reporting inquiries on my credit and they ca n't find my information in there system yet experian failed to furnish proper valid proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a Stafford subsidized loan that went into default. My servicer was Texas Guaranteed. They began garnishing my wages, and on top of the 3.5 % fixed interest of my loan, Texas Guaranteed saw fit to charge an additional 12.5 % each month as a " service fee, '' even though my HR department did all of the labor to complete the transaction and Texas Guaranteed just passively took my money. I tried multiple times to transfer my debt to another organization, but Texas Guaranteed refused to relase it. The debt is now paid in full, but the account still shows delinquent on my credit report. If this is n't a crime, it should be. Somehow, my generation and income bracket ended up being the first people in history who actually had no way of getting out of debt without being subjected to the abuse of a private debt collector. Even bankruptcy would n't have saved me. I was n't even an adult when I ( actually, the signature on the MPN was forged by my mother ) signed up for this loan. I was unfairly pushed into the idea of signing up for the loan by an education system that misrepresented the return on investment that it would provide, and the loan was approved without consideration for my ability to repay because it was guaranteed that I would be compelled by the U.S. federal government, without recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a dispute the first dead and they can not verified so was deleted.and now they do another one for {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from XXXX. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter,

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 06-05-2015 about Student loan (Non-federal student loan) with Paramount Capital Group, Inc. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: ok in 2012 my school in XXXX N C XXXX XXXX was a XXXX week course and they set you up for a loan that you will never pay it off. they charge me 19 % interest i didnt know that until i left the company i worked it was XXXX XXXX XXXX XXXX TN XXXX I WORK THERE ALMOST A YEAR. PAYING THE LOAN FOR XXXX DOLLARS A WEEK IN FOUR YEARS THAT WAS A LIE. NOW BECAUSE OF THIS LOAN IT WAS XXXX DOLLARS TRYING TO PAY IT OF SEEN 2012 3 YRS NOW I ONLY GOT DOWN TO XXXX XXXX AND SOMETHING DOLLARS. IT HAS DESTROY MY LIFE COMPLETELY I LOST MY FAMILY I HAVE A SON WHO IS NOW XXXX YRS OLD I LEFT MY WIFE BECAUSE OF THE FINANCIAL BURDEN CAN PAY IT OFF BECAUSE THE INTEREST IS SO HIGH I AM ALWAYS HAVE A MONTH BEHIND I AM ONLY PAYING THE INTEREST NEVER WILL I CAUGHT UP IN PAYING IT OFF. I AM A MALE XXXX YRS OLD MY HEALTH SITUATION IS VERY POOR I ONLY MAKE LESS THEN XXXX DOLLARS WEEKLY I LIVE ALONE IN A APARTMENT PAYING XXXX XXXX DOLLARS FOR RENT THAT NOT INCLUDING GAS BILL WATER FOOD CABLE CAR INSURANCE TAX ETC ETC ETC I AM ALWAYS POOR BROKE AND NO FOOD TO EAT. MY LIFE IS MISERABLE, I NEED HELP THERE IS NO ONE TO HELP ME PLEASE, TELL ME WHAT SHOULD I DO NEXT. AND THERE ARE. XXXX XXXX AND THERE ARE XXXX OF PEOPLE THAT I KNOW ARE IN WORSE SITUATION THEN MY SELF. THESE SCHOOL ARE DESTROYING PEOPLES LIVES. THE LOAN BANK IS PARAMOUNT CAPITALGROUP XXXX XXXX XXXX PA XXXX THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i recently had a fraud alert in place. i ordered a credit report and noticed there were many things included in that report that were not authorized by myself. I later disputed the items they were all removed ( XX/XX/2016 ) and then days later they were added back ( XX/XX/2016 ) i tried speaking with the company ( Equifax ) as well as faxing them supporting documents they refuse to admit they were at fault and told me to start the dispute process over ... ... it is not fair to me that once successfully completing the dispute process and getting the results craved that the company adds them back and without any reason and or written notice ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Richland Holdings, Inc. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My employer has taken the initiative without validation of debt in garnishing my wages from XXXX, I do n't even know who they are and now I am on the verge of becoming homeless not able to cover all bills including my entire rent. I know as a consumer I am very aware of the guidelines under the FDCPA and the supervision of the Federal Trade Commission and I am not to be garnish anything without seeing a judge in court. I am ready to take legal action against them if first XXXX does n't validate the debt, I will pursue to file a complain against them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I HAVE TRIED TO CONTACT THE COMPANY FOR INFORMATION AND BALANCE, IT IS NOW WITH AN ATTORNEY COLLECTION AGENCY AND WE HAVE SENT XXXX CERTIFIED LETTERS REQUESTING THE SAME AND WE CONTINUE TO KEEP GETTING THREATENED WITH A JUDGEMENT AND WE HAVE SHOWED UP IN COURT SEVERAL TIMES AND THEY ONCE HAVE N'T SHOWN, WE CONTINUE TO CALL AND EMAIL WITH NO RESPONSE EXCEPT FOR A SEE YOU IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: I tried 7 ti  mes to obtain a loan modification for my Citimortgage loan and was declined time and again until the last attempt. When I read the " fine print '' buried in the agreement I discovered that there was no actual relief granted to me. All the bank did was defer a portion of my balance so that I would have a nearly {$250000.00} balloon payment in 15 years.
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I 've enclosed a copy of the letter I recently sent to Citibank by certified mail demanding a recasting of the terms of my mortgage because of the mistreatment I received during my countless efforts to get mortgage relief. My letter was ignored by Citibank.

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 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A Collection Agency named XXXX XXXX XXXX is falsely reporting to Experian XXXX alleged debts owed to a XXXX Timeshare company that I do not owe. I have attached a letter of explanation concerning why these alleged debts are not valid, along with supporting documentation. It also explains how both the XXXX Timeshare company and their collection agency are attempting to extort money from me to pay them money I do not owe by damaging my credit on Experian ; and then refusing to remove the negative reports unless I pay them. 

I have subsequently have been forced to hire a credit restoration specialist to help rectify this matter. They wrote Experian on my behalf XXXX formal letters on XXXX XXXX, 2016 ( both are included in Exhibit A of the attached document ), requesting financial documentation ; with notice that failure to these documents for this legally disputed account will serve as proof that it is not a valid debt ( copies of both letters are also attached ). The letter further stated that if they failed to respond Act to this legally requested validation of debt within the prescribed 30 day period under the Fair Credit Reporting, all references to XXXX XXXX XXXX account # XXXX be deleted from all credit bureaus, including but not limited to XXXX, Experian and XXXX. 

As of XXXX XXXX, 2016, 60 days later, Experian has both failed to respond to this request and remove the negative entries from my credit report. As a result they are enabling XXXX XXXX XXXX and the XXXX Timeshare company to continue this extortion.

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 07/30/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have a mortage with chase and last year I did a loan modification and I had to send in documents to see if I would get approved or denied but during that time myI could not make any payments due to the fact chase mtg said that I could not tto, so while I waiting for chase to make a decision they were still reporting tomy XXXX credit report they did not make a decision until XX/XX/XXXXand started XX/XX/XXXX and did not give me a decision until XX/XX/XXXX, but Chase Mortgage was still reporting negative in the XX/XX/XXXX 9090DAYS LATE, XX/XX/XXXX 120DAYS LATE, XX/XX/XXXX 150DAYS XX/XX/XXXX XXXX LATE, XXXX XXXX LATE, XXXX XXXX LATE, XXXX ND XXXX MEANS NO DATA FOR THIS TIME PERIOD ), XXXX ND XXXX MEANS NO DATAFOR THIS TIME PERIOD ), XX/XX/XXXX WAS REPORTING OK, XX/XX/XXXXWAS REPORTING OK, I DONT THINK IT FAIR THAT I HAD TO HAVE MYCREDIT REPORTING NEGATIVE WHILE CHASE WA MAKING A DECISIONON IF THEY WERE GOING TO GIVE ME THE LOAN MODIFICATION ORNOT I DONT THINK ITS FAIR THAT I WAS NOT ABLE TO MAKE ANYPAYMENTS DUE TO THE FACT CHASE MTG SAID NOT TO AND THEYSTILL REPORTED BAD INQURIES ON MY CREDIT REPORT IF SOMETHINGIS NOT DONE I WILL CONSIDER FILING SUET AGNAIST CHASE MORTAGEI I WANT THE BAD REMARKS REMOVED FROM MY CREDIT REPORTCHASE IS NOT A GOOD BANK TO DO ANY KIND OF BUSINESS WITHI HATE THE FACT I HAVE TO DEAL WITH CHASE THIS IS A STRESS ONME AND MAKING MY CREDIT REPORT SCORE VERY LOW PLEASEHELP ME I HAVE REACHED OUT TO THEM BUT NO SUCESS AT ALL. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Well I got one account on Experian from XXXX XXXX XXXX for XXXX dollar that account is no mine also I got another account on XXXX for XXXX that account is no mine I try to contact the credit agency for months and they still claim that information is mine I nedd that remove from my credit file ASAP

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 04-04-2017 about Debt collection (I do not know) with Moss Law Firm, P.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection account refused to validate my account. I sent documentation they ask for in order for them to send validating paper to me and they sent letter saying they do n't have time to validate collection account. Document of letter of what they sent me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Tax lien is incorrect please remove. 
XXXX Recorder of Deeds Date FiledXX/XX/2010 Type Release of tax lien Reference XXXX Plaintiff STATE OF GEORGIA

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 09/30/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: LVNV COLLECTIONS IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND XXXX HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/XXXX my JC Penney credit card had two charges that I did not make for a total amount of {$600.00}. I called JC Penney to complain, and was referred to the XXXX XXXX Fraud Department. I did not pay the amount due for these charges because I knew that I did not make them, so my account began to be charged late payment fees and interest on the unpaid amount. In XX/XX/XXXX I received a letter from XXXX XXXX stating that they agreed that I did not owe these charges, and that my account would be credited with the amount charges and related fees that had been added to my bill. In XX/XX/XXXX my account was credited for the amount of the original incorrect charges, but not for the late payment penalties and interest. I again called JC Penney and  XXXX XXXX to complain. The latter told me that my case was still being processed, and that I would be notified when the case was resolved. Meanwhile, additional late penalties and interest were added over the next several months, without any communication from either JC Penney or  XXXX XXXX about the resolution of my complaint. Finally in XX/XX/XXXX, I received a letter from XXXX XXXX that they had sold my account to a collection agency, XXXX XXXX XXXX, with no further information about the resolution of my dispute of billing me for late fees and interest on amounts I did not owe. By this time the accumulated late fees and interest were {$140.00}. XXXX XXXX XXXX is now trying to collect this amount from me. I have formally complained to them as well by telephone. I was instructed to fill their " Identity Theft Affidavit '' even though I do not have any reason to believe that the incorrect bills are the result of identity theft. I have submitted this form plus a letter disputing the charge that they are trying to collect, along with all of the documents showing the history of the bills to this account. These are attached to this complaint.

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 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Trans Union refused to delete an erroneous item from my credit report even though the public court documents show that the case was disposed. XXXX & XXXX deleted the error promptly. 
They have antiquated ways of receiving supporting documents ( mail and fax only as supposed to online upload ) and their customer service is horrendous. 
Make sure you do not have anything planned on the day you call them : ). It 's going to take forever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Revenue Group is constantly calling my cell phone, which is on the  Do  Not Call List. They call from a  XXXX   (  My caller ID indicates this number belongs to  XXXX   XXXX  ) but when I call it back, it rings into this debt collection company. I received a call from this number on     XX/XX/XXXX .      Today,   XXXX   ,  I received another call from The Revenue Group from phone number  XXXX .     This company has repeatedly called and now calling from fake numbers.     I want them to STOP all communications to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was recently taken by a felon con artist. I discovered that he used identity theft as a means to clear his credit history. I tried to call all XXXX credit reporting agencies to let the know and so they would remove the fraud protection from his credit check. By fraudulently saying his identity was stolen his is able to continue his fraud and criminal behavior. They should remove the alert and press charges against him. They should also include that he has not paid the attorney fees or costs as ordered by the court of California.

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 08-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Global Payments Check Services, Inc. (MI).
Issue: Unauthorized transactions or other transaction problem

Complaint: On X/XX/2017 Company : Global Payment deducted {$100.00} from a debit card that I never authorized for them to store. This was a debt that I would make Bi-weekly payments until it was paid off. The payment was taken out not only without my approval but from a card that was never authorized for them to keep on their records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief