milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: To Whom It May Concern : Comenity- My XXXX XXXX XXXX XXXX XXXX 2017 This is customer, account ending # XXXX .... I just finished a conversation with XXXX XXXX XXXX XXXX XXXX phone number, Account Manager XXXX # XXXX and Floor manager, XXXX # XXXX, about my interest charges. We make our payments on time and pay in full every month. I was told that we are being charged interest on the purchases made between the closing statement date that are NOT on the statement or reflected in the amount due. ( Trailing interest )??? If the amount due is paid in full and received on time, HOW IS THIS LEGAL, to charge interest charges which ARE NOT on the statement. I was told that I could call every month to see what purchases that have been made and the amount owed in addition to the STATEMENT AMOUNT in order to avoid interest charges. These terms and conditions, stated by the account manager, were changed in XXXX 2017 without my consent. Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 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: Multiple inquiries have appeared on my report without my consent. Please verify in writing inquiries that I requested.

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 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX/XXXX/2007 with a balance of {$790.00} which makes it over the 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Customer service / Customer relations

Complaint: Every month XXXX XXXX runs a check on my credit this is taking points from my credit score. I called XXXX on XXXX XXXX, 2015 and reported this they said they could not find why my name is being ran for a credit check. They advice me to report this to the CFPB who will contact them and they will verify that I 'm not requesting a credit card from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX XXXX, 2016, I requested a copy of my free annual credit report. The automated system stated one was already sent. This happened with all XXXX agencies. I put a fraud alert on all XXXX reports. I tried to get my reports by phone and letters and still have not received these reports. I need someone to intervene on my behalf. Any help from your department would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: wE ARE ATTEMPTING TO NEGOTAITE A SHORT PAYOFF ON A HELOC THAT IS OWNED BY BBT AND THIS LOAN IS GOING INTO FORECLOSURE. WE HAVE ATTEMPT TO REACH OUT THE THE BBT LOSS MITIGATION OFFICE, AND WAS TOLD THAT WE NEEDT TO CONTACT THE HELOC LOSS MITIGATION. THE PHONE NUMBER PROVIDED ONLY ALLOWS YOU TO LEAVE A MESSAGE, WHICH FOPR THE PAST XXXX WEEKS WE HAVE LEFT OVER A DOZEN VOICEMAIL. WE HAVE CONTACTED BBT CUSTOMER SERVICE AND THAT EVEN TRIED TO REACH A LIVE PERSON AND AFTER SEVERAL ATTEMPTS THEY GAVE UP. WHE CALLED ANOTHER NUMBER THAT GAVE XXXX, XXXX AND AGAIN LEFT MESSAGE AND NO RETURNED CALLS. I TRIED CALLING ANOTHER PROVIDED BBT NUMBER ( XXXX FOR THE XXXX AND WAS ON HOLD FOR XXXX MINUTES THEN THE PHONE CALL DROPPED. CALLED BACK AGAIN, AND AGAIN AFTER XXXX MINUTES, THE CALL DROPPED. WE ARE TRYING TO INITIATE A SHORT SALE ON A XXXX MORTGAGE AND NEED SOMEONE TO CONTACT MY OFFICE ASAP. I HAVE INCLUDED THE BORROWER XXXX PARTY ARTHORIZATION AS WELL. PLEASE HELP. THESE PEOPLE ARE BOUT TO LOSE THEIR HOME AND THEY HAVE A PURCHASE CONTRACT, BUT NEED TO NEGOTIATE THE LARGE XXXX MORTGAGE THE MONTHLY PAYMENT WENT FROM {$510.00} PER MONTH TO NOW {$1800.00} PER MONTH AND THE LENDER OFFERED NO REASONAL SOLUTION.

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 03-12-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I sent in an Identity Theft report stating that accounts were not mine. The credit bureau refuses to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts.  I 've sent XXXX, Experian, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless

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 07-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I applied for a mortgage at the beginning of this year with  XXXX   XXXX . I had an issue with my credit report that I was unaware of. I apparently had  XXXX  outstanding  XXXX  accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with  XXXX .   XXXX  On my credit report, it states  XXXX  account was opened on   XX/XX/XXXX   for a  XXXX   XXXX  for {$590.00}. Then,  XXXX  {$150.00} opened o n  XX/XX/XXXX .    XXXX  When I called  XXXX , they gave me an account number associated with the account :  XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency.    XXXX   I started seeing a financial  counselor  to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: my XXXX $ loan has turned in to {$12000.00} payment that they are demanding in full I am also have XXXX federal charges the they are prosecuting against me XXXX federal banking violation regulation violations XXXX wire fraud and XXXX another XXXX I do n't rememberthis all is because when they went to electronically deduct it from my checking account it was declined because apparently the type of checking account I have does not allow companies to do electronic withdraws and i was n't aware of. So there is where all of the banking violation charges witch turn in to wire fraud etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report 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 10/26/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been a XXXX holder for 7 years. Right now I ca n't access my account to pay for medication for my daughter who has a very serious illness. This is so unfair and XXXX should be working to get there customers there money. They can somehow have customers go into any bank to get a cash advance. My daughter also has XXXX. My grandson has a condition where a XXXX. She ca n't get access to her last deposit to get his medications or pay his co pay to see the Dr. XXXX customers need there money ASAP and now it 's impossible to even contact them. Something needs to be done because my daughter and XXXX year old grandson needs that money. Please my family is suffering right now and it seems like no one cares.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Debt collection (Medical) with Credit Information Bureau, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i had XXXX in XXXX. In about 4yrs. later this company said to me we forgot to charge you this amount. I do not. Anyway i wish i could just call someone years later and say to them, buy the way you owe me money. know pay me. please get this off my credit debt. This will never get paid by me plus they have no right to do this. it has been on my report for many years now. I am XXXX. old now and do not care anymore with my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: per Equifax I have spoke with a agent snow and a supervisor by the name XXXX on XXXX/XXXX/XXXX around XXXX we spoke clearly of a account XXXX which is labeled to be XXXX this XXXX has appeared on my credit years back maybe XXXX perhaps in which i called them directly and they removed it off and Equifax also sent me a letter in the mail that I no longer have stating that this item has been removed. XXXX stated that she was going to put me in a system to block that information due to the information that I had provided to her with my story of what happened. I called yesterday XXXX/XXXX/XXXX and I was told by an agent that she received my police report I have filed through the XXXX department and I asked about the XXXX item and she stated it is in dispute not removed. XXXX stated it would be moved in XXXX72 hours why was n't it removed. if she would have said it would be a dispute than I know it could take up to 30 days but she clearly stated it should n't be there and she will get it removed. all the agents said they cant do anything cant even find XXXX. Equifax is getting my information or if they are a fraud company who works for the creditors I sent in mail letters, identification etc they have n't received that information this was last month on XXXX/XXXX/XXXX and up till this day of XXXX/XXXX/XXXX they still do n't have it what is really going on. per section XXXX in the Fair Credit Reporting Act if a person is a victim of identity theft with proven documents the bureau has four days to investigate to remove or block fraudulent or negative information. I have waited past 30 days prior to the police report filing I called multiple times asking for help and answers im always getting miss information and the run around. I 've been working with the sheriff department to dispute and get help during this hard time but Equifax does not care that I 've been a victim nor do they care of me providing the correct documentation their job is to blame someone it seems. I 've waited long enough and I want results there should n't be an excuse for this this is a major bureau company and its unacceptable. they provided me with multiple case numbers some for my name in which I never called in about I sent my id etc.. at this point this company is all lies and does n't do what needs to be done to help a victim of identity theft. In a bad time like this they try to sell me products instead of holding back knowing im a victim of identity theft its all about the money I feel that is very rude and not professional. Agents all the way to the management are just selling products vs helping you with what is truly going on.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Wells Fargo Home Mortgage XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Well Fargo Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} Well Fargo Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, 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 explanation
Consumer complaint received 10/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has been unresponsive after I 've asked to speak with several managers. I have called them consistently since summertime as my automatic payments were not being taken out. They say it came back as NSF, but my bank says it was never billed. Then Navient admitted to having IT issues. Late fees, interest, you name it. After calling to resolve many times, they offered me payment options and promised to repair my credit damage of their reporting me. After making each payment, they would change the terms and tell me I had to pay additional money or pay this or that, and then they would rescind the negative info. I finally scraped up the money and paid what it said I was past due on after their lies - and the online account still shows I owe money as of XX/XX/XXXX and its XX/XX/XXXX - so my payment made on XX/XX/XXXX obviously did n't post although it was taken from my bank account. I called again today and requested that a manager call me back - nothing yet. Supposedly they record all calls - well, someone should listen to all the lies they 've been telling me over the months and changing the agreements. It is unethical and immoral. They are ruining students lives! Check the recordings and the call logs - I 'm the one who calls them! And if they ever seldom call me, they NEVER leave a voicemail but the recordings will prove they LIE and say they did leave a voicemails, and I dispute that and tell them they are lying directly. Listen to the recordings!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: UNABLE TO CANCEL TRIAL MEMBERSHIP FOR CREDIT MONITORING AND FREE CREDIT REPORT : on XX/XX/2018 at approximately XXXX PDT, based on receiving 9 email alerts and one text from XXXX that a security and monitoring issue had occurred with my personal financial information. As such, I ordered a credit report through Experian online via a 7-day trial for {$1.00}. When I proceeded to cancel the membership, as directed on their website, I was instructed that had to be done by phone. When that call was placed, via their voice automated system at approximately XXXX XXXX, the system announced the wait would exceed OVER TWO HOURS! It has now been 55 minutes, and this is a completely unacceptable situation in an attempt to cancel further " membership '' charges. I have also put this cancellation request in writing which will be placed in the mail today.

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