milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I disputed a Tax Lien from the XXXX registry of deeds XX/XX/2016 via certified mail to Transunion. I sent 2 to 3 letters stating that i knew nothing of this Public record I recieved the results of the investigation XX/XX/XXXX ( see attached ) from Transunion stating the entry was verified. I immediately called the XXXX Registry of deeds at the number Transunion provided me in the correspondence. I asked about this lien and they knew nothing of it i then called the IRS and asked if they had verified or validated anything with the Credit bureau. I do n't owe the IRS or any state entity any money, nor do i have any Liens connected to my name or residence. Transunion is violating the FCRA by not providing proof of documentation they did n't mark my credit report " disputed by consume '', and ive given them numerous opportunites to correct error. This public record is hurting my score and my financial life.

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 09/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXEquifax XXXX XXXX XXXX XXXX, XXXX XXXX report # XXXX recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received a chilly of my credit report because of some issues I disputed and today I got an alert showing that old addressees were out back on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX loan service sold my loan to Nationstar. I received a letter from XXXX after I had sent my payment for $ XXXX XXXX/XXXX/2015. I called XXXX and they told me they would forward my payment to Nationstar. The money was debited from my account on XXXX/XXXX/15 and Nationstar sent me a DOUBLE BILL on XXXX/XXXX/15. This was done deliberately. Also. Nationstar refused to send me a corrected copy of my bill. 

XXXX loan service XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Performant Financial Corporation (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have repeatedly requested a " pay-off '' statement from  XXXX   XXXX   XXXX   XXXX   XXXX  on behalf of Pennsylvania Higher Education Assistance Agency '' ) in relation to a loan I 've been paying on-time and regularly every month for more than 10 years. I have received no response. I have been wanting to pay the entire balance owed, and their ignoring my request has caused me to unfairly continue to pay interest.  XXXX  / Account #  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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a major breach that exposed my credit information in addition to over 143 million US consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Account opening, closing, or management

Complaint: I opened a second checking account with First Merit bank to keep money separate from my main account for personal reasons. I was charged an " Inactive Fee '' because I was not using this specific account enough. This fee was half the money in the account. I was in no way made aware they were going to take this fee because if I was I could have made an extremely small purchase to avoid it, but instead they just took my money. I also have no way to close this account without incurring additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a duke energy collection on my account that is not mine. I have called XXXX XXXX  telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this 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 explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFNI # XXXX XXXX XXXX XXXX XXXX IL XXXX have a a unverified account from XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XXXX i lost my job. I continued to pay my chase credit card until XXXX. In XXXX i could no longer pay my card and no longer made payments. In XXXX i recieved a letter from chase saying i was released from my debt. I later recieved a XXXX from chase for XXXX for the debt forgiveness. I paid my taxes on what was now reguarded as income by the IRS. I just recently applied for a home mortgage and my bank application came back with the XXXX debt from chase listed ... .i contacted chase and was told the debt had been cleared and they did n't want any payment but because the debt was not paid in full by me it will remain on my credit report. If the debt was cleared and i recieved a XXXX, effectively changing the debt to income, how can it remain as a debt on my credit report? Chase will not even accept payment and my mortgage application is now in jeapordy..

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I closed on a conventional fixed mortgage loan with Quicken Loan ( QL ). It was a debt consolidation loan. I had XXXX accounts for payment. Quicken Loan only paid off XXXX - my previous mortgage for {$71000.00}. The other XXXX creditors totaling {$73000.00} have not been paid. The accounts were XXXX ( CD ) - {$24000.00} ; XXXX XXXX ( CC ) - {$10000.00} ; XXXX XXXX XXXX XXXX ) - {$17000.00} ; XXXX XXXX XXXX XXXX ) - {$13000.00} ; XXXX - {$3200.00} ; XXXX XXXX - {$2100.00} ; XXXX XXXX - {$1500.00} and XXXX XXXX - {$340.00}. After numerous calls and QL emails the past five months, the XXXX creditors still have not been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2015 about Mortgage (VA mortgage) with PRIORITY HOME MORTGAGE, L.P. (TX).
Issue: Settlement process and costs

Complaint: When my, then partner, and I decided to purchase a home, we were referred to Priority Home Mortgage by our builder. When I met with XXXX XXXX at Priority the very first time I was clear of my relationship status and wanted to make sure that was not going to be an issue with a joint VA loan/mortgage. I was assured that everything was fine. This was XX/XX/2015. 

We processed all of the paperwork, were pre-approved for the mortgage as a couple. 

XX/XX/XXXX, I was contacted by another individual from Priority, I believe her name was XXXX, who asked for marriage documents. I relayed the same information that I had shared with XXXX. All of the sudden we could not get the mortgage, or deed to our home in both names, I had to go through the pre-approval process again. Everything. 

Once the dust settled, I went to XXXX 's supervisor, XXXX XXXX. After several conversations, he agreed that Priority personnel had messed up, and that my, now husband, and I would need a quick/Quit Deed after I closed on the house in order to get the deed in both my name and my husbands. He also agreed that Priority Home Mortgage would incur the cost of processing the second deed. Conversations as late as XXXX XXXX, XXXX confirmed that all was in order and that the Quick/Quit Deed could be processed the day after my closing. 

At my closing on XXXX XXXX, XXXX ( a separate entity ) told me that I would have to wait until I received my actual deed before I could move forward. 

I have now had my deed in my possession for over 2 weeks. I have reached out to XXXX XXXX at Priority Home Mortgage three separate times, including today, to get the XXXX deed processed and signed. I am getting no return communication from Priority Home Mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: that debt is not mine I have never owned a general electric credit card

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to short sell my house but the attorney representing the servicer ( SPS ) will not allow a short sale. We did receive all the paper work and online access to file the required documents and have an executed contract for a short sale but law firm is blocking it. I am also seeking relocation funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with Accelerated Receivables Management, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My doctor used a company called XXXX to process routine lab work I did. Soon after the lab work was done, I got a bill from XXXX. My doctor explained that the bill was paid by XXXX and no need to worry. Over a year later, I got a letter from a collection agency named " Accelerated Receivables Management, Inc. '' stating that I still owed money to them because of XXXX. I went back to my doctor and he explained that the debt had been paid by XXXX and it was a practice that they were known to be engaged in. I would like this to be investigated as I am being told to pay a debt that was said to have been paid for already.

Company response to consumer: Untimely response
Consumer complaint received 05/13/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.

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 06/20/2017 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: Old information reappears or never goes away

Complaint: There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I called the representative named XXXX agent ID # XXXX regarding the one time bonus of {$100.00} that I was supposed to receive after spending {$500.00} in the first 3 months. However, the agent stated that I was supposed to get the notice that I 'm not eligible, since I was using a different Capital One product before. When I stated that i did not receive such notice, she stated that I was supposed to be verbally notified about this. However, when I further stated that I was n't notified, she stated that actually I 'm just not eligible. When the agent transferred me to the Senior Agent XXXX # XXXX, he refused to provide any information, nor was he willing to send me a copy of the terms and conditions that state that the upgraded account is not eligible for the same benefits, though the promo notification that I received did not mention that I 'm excluded from this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (VA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: In 2014 I believe my mother had his ex boyfriendliving in our house he stold our bank account information, our debit cards social security and also checks. He took my XXXX XXXX XXXX and deposit a check with no funds to various of my accounts. He went to jail for that but I never did a police report on what he did but now im not able to open any account because of that and ca n't pay all the amounts of checks with no funds that my stepdad did. Offortunitly I have no proof but there is proof he went to jail for doing false accounts and depositing check with no funds.

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 02/16/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing.

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 02-08-2018 about Debt collection (Other debt) with Meridian Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. 
Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, within 5 days.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.

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 11/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. 
Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a balance of about XXXX dollars on my student loan left to pay. I 'm a XXXX parent and my hours have been cut at work. I receive 3-5 phone calls from Navient Solutions in regards to my loan payment. I 've had a deferred payment before and every time they send me an email to defer my loan payment I respond and receive emails saying they can not locate my account. I 'm tired of repeated phone calls, some of which are immediately back to back. Last I knew according to federal collection laws, each number listed to an account was able to receive 2 phone calls per day and only one message left per day. Also what is the purpose of being able to reply to an email for a deferred payment if it can not be honored. I have a complete call log of how many times a day they contact me as well as many emails showing I 've responded they way they ask for a deferred payment just to be denied.

Company response to consumer: Closed with explanation