milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed an account that is not mine. I am not liable for this XXXX XXXX account. Once I received the response I then called and they simply said they ca n't do anything else. I should solve it with the credit card company. I beleive I should n't have to do this. In some form they should also protect my rights as a consumer. 

Thank you for any assistance in this matter.

Company response to consumer: Closed
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called the Experian customer service number they told me that inquiries can not be removed off of my report I know that is not true I would like the name the telephone number and extension of the person they speak to And the reason why If not deleted here is a list of inquiries XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX 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 12/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with ProCollect, Inc (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter fr om Procollect offering  a settlement and deletion from my credit reports. I contacted them on  XXXX   XXXX  in reference to this letter and paid the settlement and was told the collection would be deleted on  XXXX   XXXX .   To date the collection has not been deleted and still shows full balance due. I have contact ed Procollect twice about this, once spoke with a supervisor, both times being told my balance is {$0.00} and thi s is no longer their issue and was then hung up on by both associate and supervisor when I started to ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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: I have contacted Experian many times to get problem solved. I am asking them to verify that the debt actually belongs to me. They have not provided any proof of doing this. The account was removed from report and then placed back on with notification. They have violated two laws. The account was disputed and removed before and now appears again One by not verifying the debt and another by not notifying me that the account was added back to my report.

This item should be removed from my report immediately per the fair reporting act. or verify debt XXXX XXXX XXXX Account number XXXX open XX/XX/2015

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XXXX XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XXXX XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against Equifax & the creditors for breaking several FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with AFNI INC. (UT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I installed  a SPAM blocker due to this company. They get past the blocked number and leave a message every time. Short message, This is from a debt collector please call this number. I call the number they say I do not have an account. They say my number is not in their system and they will notify the correct department to stop the calls. I have called them at least 10 times to stop the calls. I have a recording of one of the ca lls.   They identify themselves as AFNI collections, caller ID " Debt Collector ''. I think they are selling my number because after i called them i received more calls from others.   Do not answer or return their call!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (I do not know) with High Point Asset Inc (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Recorded message that I am a " person of interest '' and that I or my legal representative must contact them immediately about a time sensitive matter. Internet search implies this phone number is from " Highpoint Asset '' as a debt collection company. This is a scam call and I am blocking this number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my TRANSUNION credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filled out a form of cancellation for a XXXX located in XXXX, Washington and they misfiled it back in late-XX/XX/XXXX/early-XX/XX/2016. The debit card connected to membership, around the same time of my membership cancellation, got lost so I cancelled it as well. I did n't inform them of the card cancellation because I thought I had cancelled my membership effectively. They continued trying to charge my cancelled debit card into the coming XX/XX/XXXX before they informed me that the National Credit Services would take on the debt. National Credit Services sent mail to an old address of mine to which I could not retrieve it. They are trying to collect debt from me, but I should not have to pay this debt because the gym themselves misfiled my cancellation. What if they did this on purpose to profit off my cancellation? They claim I need proof that I cancelled but after filling out two cancellation forms ( another one in XX/XX/XXXX to stop further charging to my account ) I was not presented with any certificate of proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been paying my loans ( two separate totaling {$25000.00} ) since i started school- small payments of {$25.00} a month during school and then payments after i graduated in 2014 of XXXX ( one at {$160.00} and the other at {$130.00} ) since then. In late XXXX XXXX i contacted Navient to try and lower my payments, because I want to pay, I just can not afford it, but they told me I did not qualify, even after going through and doing a financial statement that showed I was over {$300.00} in the red BEFORE I paid my loans with them. My parents both consign on a loan each and they both completed financial statements, which Navient said they did not qualify for loan payments being lower. They then told me that my only option was to go into forbearance and paying the {$100.00} FEE. I am now struggling with what to do and where to go- I have let my bank account get overdrawn paying them, but I am unable to move forward like this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being sued by a Company UNIFUND CCR Address : XXXX, OH XXXX OWNER XXXX XXXX General Manager : XXXX XXXX, CFO Phone : ( XXXX ) XXXX / ( XXXX ) XXXX UNIFUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T : XXXX ... ... ... XXXX XXXX XXXX UNIFUND is a debt collector which buys bad accounts from USA. 
banks like XXXX, XXXX etc. 
XXXX sold my name and all my personal information to Unifund. 
I NEVER HAD AN ACCOUNT WITH XXXX. 
I called XXXX they could not find anything with my social security in their system. 
I called XXXX, XXXX, XXXX, XXXX XXXX and there is nothing in their system about me with XXXX. Nothing at all. 
Nothing with XXXX in my entire life. 
Now UNIFUND is telling me I have a balance with them total XXXX. My reference number isXXXX. 
Since all this started in XXXX they started garnishing my wages. 
XXXX times a month they are taking XXXX this total are for the garnishing and garnishing fees that they add. 
The Unifund, lawyers office keep their mouth very close. 
So now I am paying for a bill that I never had, and is not mine. 
My personal information : XXXX XXXX XXXX XXXX California XXXX phone:XXXX XXXX email address XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was trying to deposite some money into the CITI bank account, but account is blocked for some reason and there is a fee charged related to it, which is ok to me. But customer service has a very bad attitude and didn't give good resolution about this. I called twice but the answers to solve this questions are different. And one customer service hang up the phone when I was asking a question.

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 10-08-2017 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: Investigation took more than 30 days

Complaint: I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

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 02/22/2018 about Debt collection (Other debt) with Nations Recovery Center (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been for several months, since XX/XX/2017 been attempting to resolve a debt. When I started receiving phone calls I finally called original company regarding the debt who instructed to me contact XXXX XXXX XXXX XXXX First they refused to send me another notice of Debt stating they are only required by law to send me one. I advised them they sent it to the wrong address and all correspondence goes to XXXX XXXX XXXX I got tired of dealing with their customer service snarkyness, after several attempts I was finally able to reach a manager. He then sent me out the notice to my POBOX however there is nothing on the Notice of Debt to explain how to make a payment. Once again about the XX/XX/XXXX time ( which I have cell phone bills to prove it ), I called them back and stated I needed a statement, something in writing to explain how to pay the debt. The rude customer service person stated her company is not required to send out a notification explaining how to pay the debt, they only had to inform me there was one. She invited me to pay over the phone - advised not an option, told me to pay online - I informed her I needed to mail it with a money order and she still refused to send a statement with an  explanation how to pay. This company fails to understand people have rights and there is a formal process in to collecting a debt. They are the most unprofessional and rudest individuals I have ever met in my entire life. I can provide notice of debt and you can see there is no information how to pay the debt.

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 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account " XXXX XXXX XXXX '' was delete off my credit report and now reinserted on my profile. Pleas have this removed ASAP. The file number is 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private student loan is handled by Navient. My payment for this loan is {$82.00} per month and is due on the XXXX of each month. For well over a year now I have been making an increased payment of {$120.00} a month, but the loan is still earning interest in between that time. I sent an email to Navient regarding the same and received the following response : Dear XXXX, Thank you for your inquiry and for your business with Navient. 

Interest accrues daily based upon your principal balance and interest rate. When your balance is higher, you? re accruing more interest. As your balance decreases, you? ll accrue less. 

The number of days between payments determines the amount applied to interest from each payment. All payments are first applied to outstanding late fees ( if any ) and accrued interest. Whatever remains is applied to principal. 

In order to maximize the payments that you send, it? s a good idea to send them regularly - meaning every 30 days or so. If you let too much time pass before sending a payment, more interest will accrue. 

When you make a payment that is greater than your monthly payment amount, the payment is credited first to satisfy your current and any outstanding payments due. Any additional amount is applied toward future payments. 

If the additional amount is enough to satisfy a full future payment, your next billing statement will reflect {$0.00} Current Monthly Payment Amount Due. If the additional amount only partially satisfies a future installment, your Current Monthly Payment Amount Due will be a portion of your monthly installment amount. 

If you receive a bill for {$0.00} amount due, you may continue to make payments since interest will continue to accrue on your outstanding principal balance. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX., and Friday XXXX to 8:00 p.m., ET. 

Sincerely, XXXX, Your Navient Email Representative Navient says in its response that if I make payments every 30 days, the loan will " accrue no interest. '' See above response. Please help me find out what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our current mortgage payment was increased from {$1600.00} to {$1900.00} within a 2 month period due to escrow. We have never had this level of increase. We informed the mortgage company that we could not sustain payment at this level and submitted a request for modification. In the meantime, my husband also lost his job and then was in the hospital. We updated the mortgage company, still requesting help/relief. This process began in XXXX 2016 and to date ( XXXX/XXXX/16 ) the mortgage company ( Greentree/Ditech ) continues to go back in forth with us requesting additional information, updated docs, etc. Their inefficient and careless handling of our request is causing unnecessary and undue stress. When the request was originally made, we were current with our payments and struggling to keep current. Now the payments are 3 months delinquent and we are facing foreclosure of our home of 21 years - the mortgage company continues to go back & forth with us. I will attach a specific listing of the progression of events with the mortgage company. Your assistance is greatly appreciated to favorably end this stressful 8 month request-process. Thank you. 
( MY MORTGAGE IS CURRENTLY A HOME EQUITY LOAN AND THUS WE HAVE EXPERIENCED PROBLEMS IN THE PAST WITH TRYING TO GET SOMEONE TO REFINANCE. WE WERE UNAWARE THAT THE MORTGAGE COMPANY AT THE TIME WE REFINANCED A FEW YEARS AGO, CHANGED OUR LOAN FROM A REGULAR MORTGAGE TO TOTALLY AN EQUITY LOAN. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation