milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XX/XX/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, XXXX, Equifax and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans was sold to FedLoan ( unbeknownst t o me ).  I 'm currently in forebearance and will be until  XXXX / XXXX / 17 , howev er, FedLoan h ave started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX after calling Trans Union to dispute XXXX entries on public records to agent that XXXX XXXX XXXX for the amount of {$4600.00} and XXXX XXXX County Court {$520.00} should be removed like all other creditors in chapter XXXX bankruptcy ( see attach XXXX ) and XXXX sold account to other collection agency which resubmitted my closed account on my credit report as " open '' when it was discharged also in bankruptcy. ( see attach 6 ) After calling about these complaints for dispute my account was locked by agent ( see attachs 10-14 ). I had explained to agent that I had answer all the security questions correctly and it was wrong in their system ( Trans Union ). I explained to agent I could proved that " grandfather name '' I was given was correct, but the agent did not accept my information and request he only way for my account to be unlock " I must send in picture ID ''. I explained to agent that I did not feel comfortable sending picture ID due to on going identity thief and other major reasons. 
I truly feel the standard for Trans Union to make " only request to verify my identity is with a picture ID '' is open to discriminated any future dispute against me because of my race, sex or religion. Their are other ways for verification a person identity other than picture ID. Some example I can list from other vendors who verified a person identity : SSN card, current utilities or cable bills with name and address, payroll check studs. 
The method Trans Union is enforcing requesting a picture ID is largely open to discrimination with an individual to denied any dispute or not updating credit files that can damage a person credit rating base on race, sex or religion. 
I am pleading with the CFPB to look into the method Trans Union is using for verifying an individual identify. I know my account was locked after making a dispute claim which, now Trans Union is requesting a picture ID to unlock my account. 
With my account locked by Trans Union I am unable to check if any inaccurate information has been posted to my credit that can damage my credit rating. 
Also this is a way for Trans Union supporting creditors who are conducting improper illegal actions with false information posted to an individual credit with problematic to discriminate against the debtor credit report. 
Also requesting XXXX derogatory remarks to be removed from my credit report 1 ) XXXX XXXX XXXX open XX/XX/XXXX should not of been open. Account closed in bankruptcy XX/XX/XXXX from XXXX XXXX. 
2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$4600.00} removed like other accounts in bankruptcy XX/XX/XXXX 3 ) XXXX XXXX County ( XXXX XXXX ) for {$520.00} lien for sewer bill and not a tax lien in bankruptcy 2014

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been trying to get my student loans through Navient dismissed due to the XXXX Loan Forgiveness Program, but every time I submit my information that is requeste4d that says that I have completed the requirements they turn it down saying that I do not. I have read the requirements and submitted the required paperwork and each time they tell me I have not met these requirements. No further instructions or help is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The following is a summary of actions between me and  XXXX   XXXX   XXXX   XXXX   XXXX .     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Student loan (Federal student loan servicing) with Credit Adjustments Inc (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: 1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.

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 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a customer of XXXX and when I canceled I completed my agreement by returning all equipment to XXXX as agreed. I have now found that I have a small collection account on my credit report that the folks at AFNI have not been able to provide me with debt verification on. I have spoken to them, they are cordial but unwilling to verify and allow me to correct by paying and removing the collection or simply removing the account as it is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This has been on my credit for 5 years and to no avail I can not get a copy of my signed lease. I do not owe this money. I did live there but they can not provide me with a signature or any lease to validate if it is mine and the amount is correct. This collection is from XXXX 2012 to present for the amount of XXXX. I do not have an account number. They keep saying I owe this amount which is not correct. I need verification that this is indeed the right amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is a complaint against Citibank for their Mastercard credit card for which I am being charged excessive late and interest fees. Also on speaking and trying to resolve the issues with the company representative XXXX ( on XX/XX/XXXX at XXXX ET ) and then escalating to his manager XXXX at XXXX ET they refused to provide me with information as to whom I could file a complaint to, about my being over charged fees. XXXX ( Supervisor ) also suggested I contact the Better Business Beaureau instead of the CFPB as required by law. Specifically my payments are due every 2nd  day of the month, however due to travelling and the holidays for the month of XX/XX/XXXX ( payment due XX/XX/XXXX ) my payment was made on XX/XX/XXXX and processed / credited to my account on XX/XX/XXXX. Citicards then charged me a {$25.00} late fee as well as {$51.00} interest charge, because my payment was 1 day late. Attempts to call and have these charges removed were rejected and Citicards  refused to provide me with any information as to how to file a complaint to any regulatory agency. I have been a 15 year Citicard holder with a history of paying all my balances on time.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX and Experian credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the XXXX XXXX XXXX so that XXXX and Experian and correct my credit report and start reporting accurate student loan information from XXXX. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.

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 04-11-2017 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (NY).
Issue: Fraud or scam

Complaint: We XXXX bought a timeshare while on our honeymoon in XXXX. Most foolish/worst financial decision of our lives. This was XX/XX/XXXX. We 've been trying to get rid of it since then. We 've fallen prey once already to a company claiming to resell it for us. Since then we disregarded several more attempts to scam us around this issue. Sadly, in late XX/XX/XXXX we got another resale offer. This one looked legitimate possibly. I forwarded the contract to an attorney who I spoke to but he stopped engaging. We had several phone conversations with the person posing as XXXX and felt there was legitimacy to this. We moved forward. We wired {$1200.00} for fees that were " guaranteed '' to be returned upon closing. An additional {$1000.00} was wired for taxes ( non-returnable. our only " cost '' ). We were told that the closing was scheduled and that upon completion we 'd be contacted to chose a title clearing company where we could finalize our end of the transaction and receive payment. As the closing approached communications became sketchy and unprofessional. The closing was supposedly on Friday XX/XX/XXXX. We 've heard nothing since. There was also a man posing as XXXX in their " processing '' department that I spoke with and emailed with. Both he and XXXX 's phones direct to voice mail now. Neither has a mailbox message. Neither identifies themself. His mailbox is full. I 've left XXXX multiple messages. Her email bounces back as undeliverable. His does n't. Their email XXXX is an inactive website. Using XXXX it is owned by : Organization : XXXX Mailing Address : XXXX, XXXX NJ XXXX US Phone : XXXX. I see now there are multple compaints of fraud against this entity. I 've texted both XXXX and XXXX multiple times demanding a response. I 've heard nothing. I gave them until today, XX/XX/XXXX to respond before reporting them to the authorities. We 'd like to pursue this complaint to whatever degree is possible. I have complete email exchanges, the signed contracts, and the wire transfer details. I hope we can work with someone to pursue this matter further. Please advise.

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 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX issue me a {$1200.00} Walmart credit card. Within 45 days they lowered my credit to {$800.00} affecting my credit report and lowering it by 5 points. 

They claim is was because of increase use of my credit but I am also making 40 % more money. They did a poor job and most important it affected my credit rating protected under the FCRA. 

They had already ran a credit report 30 days earlier.

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 07/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This was/is a FHA loan and as such is insured against a total loss. This house is still in my name and not has been foreclosed upon. As a result I am not able to acquire a new loan or property under FHA 's guidelines due to the existing FHA Account number which is managed under XXXX. 
Wells Fargo needs to release my obligation and connection to this property and clear my XXXX record back to when the BK-XXXX7 was filed 2009, or at a minimum 3 years from when I filed which would be the penalty if they had settled with HUD.

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 02/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX Direct loans from XX/XX/XXXX that I have been paying off. I went back to school in XX/XX/XXXX and accumulated more Direct Loan debt. After graduating in XX/XX/XXXX, I had to switch to an income based repayment plan from the standard repayment plan because I was not able to locate a job right away. The standard repayment plan period is 10 years, and I had been on that since XX/XX/XXXX. Then once I got a job in XX/XX/XXXX I switched back to a standard plan for all of my loans from the income based repayment plan. I was told that the repayment terms for all of my loans, which includes the older loans from XX/XX/XXXX in addition to the new loans that I started paying off in XX/XX/XXXX, was going to be 10 years. Instead of paying off my original XXXX loans in XX/XX/XXXX, which was the end of original loans ' repayment term, I will now be paying them off over another 10 year period until XX/XX/XXXX. I was never told this would happen if I switched my loan repayment plan ( it was never in writing or disclosed to me on the phone when I called to make the change ). It all seems unfair and deceptive. The loan servicing company is now making more money from me by collecting all that additional interest that comes with extending my repayment plan another 10 years for these XXXX loans, when I could have had them paid off by now if I had been able to keep them on the original repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I logged onto Midland Credit 's website to make payment arrangements. After logging in and choosing my payment plan it says that a payment MUST be made today to be able to take advantage of this offer. Wanted a credit card or checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In to my credit report In XXXX appears a auto loan in Banco popular # XXXX with balance {$5400.00} in voluntary surrender that don t belong to me, with XXXX appear the same account paid as agreed open with 2 past due that don t belong to me. This account belong to a XXXX XXXX XXXX mixed in to my credit report with the addresss in XXXX XXXX XXXX XXXX Ct XXXX, XXXX In XXXX id reporte a name that don t belong to me XXXX XXXX or XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX AK 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