milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2009 I had an IRS tax lien. Tax lien now paid in full.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to Transunion about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling my credit report.

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 05/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2016, ( original letter date for dispute XXXX/XXXX/2016 ) I wrote a letter which I will paste below stating that this information had not been validated nor had the company replied to my response of providing burden of proof of the " legal items '' listed to belong to me. It been exactly 30 days since sending the notarized letter and no response.This letter is formal notice that you have failed to respond to my dispute letter of date. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on some date. 
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Reference Number XXXX Please delete this erroneous item from my credit report as soon as possible. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. 

This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has 4 accounts and will not remove them. I told them ID THEFT VICTIM AND they stated after numerous investigations they have proven accounts were mine and refuse to remove. However. One account is XXXX AND THE ADDRESS FOR THE COMPANY IS WRONG AND FALSE. ALSO I CONTACTED THEM AND THEY HAD NO RECORDS OF ME OR ADDRESS ACCOUNTS WERE LINKED TO. THEY EQUIFAX, XXXX, and XXXX are all ID FRAUD ACCOUNTS AND EQUIFAX refuses to REMOVE IT BECAUSE THEY STATED THEY VERIFIED THE 4 accounts were mine. I asked how they knew that. And all EQUIFAX STATED WAS THE INVESTIGATION IS ELECTRONIC AND ALL THE DEBT COLLECTORS HAVE TO GIVE THEM IS NAME DATE OF BIRTH AND LAST OF SOCIAL SECURITY. THESE ACCOUNTS HAVE BEEN DISPUTED OVER AND OVER AND STILL APPEAR ON MY CREDIT REPORT ALTHOUGH THEY ARE ID FRAUD. EQUIFAX XXXX AND XXXX ALL REFUSED TO REMOVE AND I CONTACTED ALL COMPANIES AND NOTIFIED THEM. AND ALL I GET IS ITS NOT MY ACCOUNT FROM THE CREDIT ACCOUNTS BUT ID THEFT HAPPENED AND NO ONE WILL REMOVE THEM! Please Help me

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 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 belongs to someone else

Complaint: XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, XXXX and Experian for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

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 08/29/2016 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: I placed an online application with Regional Finance, Immediately after I called the business to stop application process. I spoke to associate at the branch in XXXX NC and they told me to contact home office. They assisted me with correct phone number and then I spoke with the associate in the underwriting department. The associate in that department told me he would void my application and my credit would not be pulled. Two days later I received an alert on my report that they did in fact run my report. That 's when I filed a report with XXXX and I did not get a resolution to my complaint. They referred me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Citizens one bank is skewing the financial figures in my escrow account to make the short fall caused by the property tax increase to appear greater than it actually is in order to raise my monthly mortgage payments significantly. ( Please view PDF doc named Escrow -shortfall ). Also, they are double charging for the short fall. Citizen XXXX has already deducted the short fall amounts from the escrow contributions from my monthly mortgage payments for XX/XX/XXXX. They increased my monthly mortgage payments for XXXX to pay back the money that they advanced me for the Escrow short fall, which was already paid back XX/XX/XXXX. They deducted from the XXXX contributions {$39.00} on XXXX/XXXX/XXXX and then again deducted {$360.00} on XXXX/XXXX/XXXX to repay Escrow advance. Why do I have to pay back the short fall twice? 

XX/XX/XXXX they simply factored in the Escrow short fall into my monthly payments and did not deduct anything from the Escrow contributions. This year they did both! ( Please view PDF doc named Account Activity ). Another issue that concerns me is that the actual Escrow short fall for XX/XX/XXXX was only {$400.00}. How can the escrow account be short {$1000.00}? ( Please view PDF doc named Escrow shortfall ). Citizen One bank claims they are charging me over double the amount of the actual shortfall because the Escrow amount fell below {$830.00}. It would not have fallen that much if they simply incorporated the short fall into my monthly mortgage payments like are supposed to instead deducting it immediately from the Escrow contributions. By deducting the {$400.00} directly from the contributions they unnecessarily increased the XXXX deficit and made it look larger then it actually was. They did this to INCREASE MY MORTGAGE PAYMENT OVER A XXXX DALLERS for XX/XX/XXXX and THIS IS BEFORE THE Mortgage ARM AJUSTS. The rate for my ARM is not set to adjust until XX/XX/XXXX. ( Please view PDF doc named Mortgage Statement ). 

Since the escrow shortfall was deducted already from my Escrow contributions for XX/XX/XXXX, my mortgage payment should remain the same as before. Which was {$1400.00}. Because of Citizens bank double charging me for the {$400.00} escrow short fall, my mortgage payment now jumped to {$1500.00}. There should be no increase Until XX/XX/XXXX when the ARM for the mortgage is set to adjust.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX a letter from AlliedInterstate phone XXXX sent a collection letter to my son 's p.o Box claiming I owe XXXX XXXX {$560.00} ... I have not flown XXXX XXXX in more than 20 years. There is no possible way i owe an Airline any money. Please get this scanners in jail! ... 
Thank you, 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 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Bureau of America , Ltd. ( CBA ) is attempting to collect a debt on behalf of XXXX. In XXXX XXXX they sent a collection notice. The notice stated that I owed for water bottle delivery. I called them right after receiving the notice to dispute. Information was faxed as requested. Furthermore, I contacted XXXX directly. They picked up the cooler and was told that the account was going to be credited out. Fast forward 8 months later, Collection Bureau of America never advised of the dispute paperwork sent neither did XXXX. I get an alert from XXXX there is a negative trade line reported to my credit. I called them XXXX/XXXX/XXXX and they told me that they were collecting this debt still. 

When contacting them, they told me they mailed me a notice in XXXX XXXX. A dispute was faxed and discussed with their agent. No followup from them after this dispute was sent ever occurred. 

This is not a fair and in my eyes an illegal way of handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I was not notified that my escrow account was short or contacted to find a resolution. I found out about the increase of payment when I got an offer to refinance the loan. It went up from XXXX to XXXX, I ca n't make sense of why. I understand that it would go up when the insurance and property taxes would go up. I want to see in black and white why it went up and they seem to be unwilling to explain to where I understand. Part of the problem stems back to the original loan when they did not get a correct estimate on what the taxes would be and based it off of the taxes for the property alone without any buildings on it. If I have got it figure is that they are charging me for XXXX insurance payments and XXXX tax payments plus XXXX PMI and extra for the escrows the reason I believe that is that they added it all to the payment and not to the principal payment. This change and no cooperation is harming me and my family financial.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Citibank ( Best Buy ) has called my home multiple times a day for the last week. They are trying to locate a man named XXXX XXXX XXXX. Although I have had my phone number for eight years, the number did, at one time, belong to XXXX XXXX and his wife XXXX. Over the years I have received a number of debt calls for this couple but when I 've informed the debt collectors that I am not a member of the XXXX family and I do not know them, the calls have stopped. Unfortunately, the calls from Citibank have continued. When I complained to them, they told me that their system shows that my number is the incorrect number for XXXX XXXX but they said it will take a little time for their dialer to catch up. I want the calls to stop. I do n't care that their dialer needs to catch up. This is not my debt and the calls need to stop immediately!

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 08/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with SYNCHRONY FINANCIAL (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was told I was getting a loan to pay for XXXX that I could pay off within 12 months with no interest. Then I found out after missing several payments that it was in fact a credit card. I was clearly mislead. I talked to the company, CareCredit in XXXX to clarify the situation and they told me my credit would not be affected, but they had already report my XXXX " missed '' payments to credit agencies. I talked to XXXX peope at CareCredit and they said " tough luck '' in a pretty rude manner. I asked to speak to the head manager, but they have not had the decency to call me back. 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 02/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient took over multiple student loan accounts of mine. My student loan accounts have changed companies so many times that I can barely keep up with what loan is where. 

I initially spoke with an agent to figure out what I owed on a monthly basis and to set up automatic payments. I spoke with an agent who set up the payments for me. I went above and beyond asking questions and I specifically said- " will this take care of all of my loans with Navient so I do n't have to set these payments up again '' She confirmed. 

As a consumer, I do not know how Navient runs its business. Nor is it my responsibility to do so. The burden of responsibility should lay with the company. Being up front and transparent with customers on how the company operates. Without my knowledge, my Federal loans ( which apparently are a completely separate department that the previous agent can not access ) went past due. Navient had on file, the wrong phone number, address and email for the Federal student loans- though I updated this information with the previous agent. I had no idea that my loans went past due since there was no communication to that affect. The only way I found out my loans were past due was by logging in to Navient ( which I rarely do since I have everything on auto-payment ). I logged on to print off balances on my student loans and realized I was past due several months. I immediately made the payment and set up recurring payments. 

The damage to my credit had already been done. I was reported as over 90 days past due on an account I had believed was in good standing. I called Navient to ask them to remove the past due and to address the issues with their faulty communication practices. They told me that I needed to submit a handwritten note and that their legal department would then " investigate '' to see if Navient did anything wrong. 

The thing is, the student loan process is already practically criminal with compound interest making it impossible for people to get out of debt. I am willing and able to make payments. I trusted what the agent told me when I first spoke with her. I trusted that when I asked if this took care of " all my student loans with Navient '' that she knew what she was talking about. How is it my responsibility to understand the inner workings of a clearly purposefully confusing process? 

I would like this information removed from my credit report immediately. I have every intention of paying my loans. The only reason these loans went past due was because I did not know they were due. If Navient had the correct information on file or if the agent I originally spoke with knew what she was talking about- this would not be on my credit report. I

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting harassing phone calls from XXXX municipal collections of america saying I owe tickets for a car I no longer have. I do not have a debt and have never received anything in the mail. When I ask about a letter they are rude and hang up. I have blocked them but still get the calls. I feel that because they want information over the phone that this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with TRANSUNION to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for TRASNUNION and they would not allow to speak with anyone concerning my complaints. I have furnished TRANSUNION with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue 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 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I went online to make my payment and decided to check the capitalized interest. How in the  XXXX  is Navient able to charge so much  XXXX  interest I HATE this company, they come from  XXXX . They are not even trying to help students pay off their student loans. On  XXXX / XXXX / XXXX , {$250.00} in capitalized interest was added to my balance. Then on  XXXX / XXXX / XXXX , {$890.00} was added to my balance. These people are absolutely horrible. Another problem, why the  XXXX  do they have to have your bank information. There should be options, I do n't like making payments with my bank information. I want my account reviewed and I want the  XXXX  interest reduced! This whole student loan industry is created on thievery!

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.

Company response to consumer: Closed with explanation