milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$1000.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$1000.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 05/30/2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against AMSHER for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. 
Attach is a photo of office building

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This is my third complaint to have my issue addressed regarding mortgage payments through USAA XXXX XXXX that are not showing on all three credit reporting agencies. All three agencies are still only showing XXXX and XXXX payments being made to USAA XXXX XXXX which is incorrect. There are payments that are still not reported which are in turn diminishing my XXXX XXXX and credit in general. I have also asked now a third time that USAA XXXX XXXX reestablish my XXXX score which has diminished due to them not reporting payments that I have cashed checks signed by their company. Once again, I am only seeing XXXX and XXXX XXXX reported. There are other payments that have still not been reported by USAA XXXX XXXX XXXX. I need all payments as they have on XXXX file that have been received by their customer. Me. I also need my XXXX XXXX reinstated as was told by another bank in which they stated USAA XXXX can yes, very well reinstate your credit to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. 

It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. 

I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. 

***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. 

I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Other fee

Complaint: I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On the XXXX of XXXX, I applied for a mortgage with Huntington Bank. I received an approval message from XXXX XXXX on XXXX XXXX, XXXX. Since I now had an approval letter, I made the decision to purchase a house instead of renting. I found a house in my price range and with my real estate agent and reached an agreement with the seller. A few weeks later, I started the closing process which included the earnest money and an inspection totaling XXXX XXXX XXXX  earnest and XXXX inspection XXXX XXXX XXXX XXXX, XXXX, I received a casual email from XXXX XXXX stating that the underwriter had now declined the load based on insufficient work history. XXXX stated that I should get my XXXX to co-sign. The co-sign issues was also brought up when I initially applied for the loan. It was clear to me that XXXX XXXX used a bait and switch approach to win the loan using my XXXX as a Co-sign. The reason for the denial was insufficient work history, which had n't changed since my original application. I contacted XXXX 's superior and XXXX XXXX from Huntington Bank XXXX XXXX to no avail. 

I requested a formal denial letter several times, the last time on XXXX XXXX. Today, I received the official statement of credit denial. XXXX XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (WA).
Issue: Loan modification,collection,foreclosure

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have XXXX inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Svs XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Dual Card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has refused to send me a copy of my credit report several times this year. I sent the last and most recent request for my full report to Equifax in late XXXX 2015 because I 'd learned only recently that XXXX XXXX lowered my credit limit on a credit card I 'd had for more than a decade because of false information Equifax provided to it. Yet, as copies of letters to Equifax from earlier this year that are attached to XXXX previous CFPB complaints about Equifax demonstrate, I have asked for a complete, corrected copy of my credit report from Equifax several times this year but it has failed to provide it. There is no way I can know what false information Equifax continues to carry in my file or has newly added to it without being able to review my entire file. 

XXXX previous CFPB complaints against Equifax this year alone indicate a breathtaking amount of false information in my Equifax credit file, including that which significantly and intolerably undermines my identity. XXXX previous CFPB complaints about Equifax ( # XXXX, submitted on XXXX XXXX, 2015 ; and # XXXX, submitted on XXXX XXXX, 2015 ) document Equifax 's multiple stone wallings and denial of my rights that supposedly govern its operations. It has falsified my birthdate and refused to indicate where it got it from or why it inserted it into my credit file. 

Please force Equifax to provide me with a full, complete and accurate copy of my credit report immediately. It provided false information to XXXX XXXX and I have been denied credit and have been charged more there because of Equifax 's injury to me and its habitual refusals to comply with the law. ( A lower credit limit at XXXX XXXX entails fewer discounts on anything I buy there, and have bought there, this year. This drives up the price for all purchases at the store. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Taking out the loan or lease

Complaint: Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Making/receiving payments, sending money

Complaint: I cashed a check through the mobile checking app of my bank, Bank of America, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have an account with paypal, on XX/XX/XXXX, i requested {$150.00} out of my balance with them to be transferred to my linked checking account with XXXX XXXX XXXX Paypal apparently reduced this amount out of my available funds balance and shows the transfer to have been completed. 

However my bank never received this money as late as today, XX/XX/XXXX As a result my money is now neither with Paypal nor in my Banks checking account and im unable to use money that is rightfully mine Telephone calls made to Paypal multiple times have not resulted in any satisfactory action or resolution and the customer service reps at Paypal are simply not able to offer any reply to this

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Equifax regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Payday loan () with CNG FINANCIAL CORPORATION (AZ).
Issue: Can't contact lender

Complaint: keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Genuine Debt Solutions, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This caller has been asked to stop calling my place of employment. To cease and desist communication and they continue to call.

Company response to consumer: Untimely response
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (TX).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased  XXXX  gift cards issued by USBank from a  XXXX  on  X/XX/2017    at  XXXX   XXXX  CST. I loaded each with a value of {$500.00}. I have receipts and activation status receipts. I attempted to use the cards on the same evening at approximately  XXXX   XXXX  CST. None of the cards worked. I called USBank on  X/XX/2017    and was informed these cards were registered to a company I had never heard of. The cards were frozen with the original {$500.00} each. I was asked to fax my receipts, SSN, driver 's license, and card numbers to USBank and was promised a response i n four ho urs. After no response, I called and was told to call the next day. I called on  X/XX/2017   , and was told not to call again. They will call me later that day. I never received a call. On  X/XX/2017    I called and was disconnected. On   XXXX     2017 I ca lled and was told the matter would be resolved in  10 bu siness days. I called afte r 10 busi ness days and was told the matter would be resolved in 90 days, and that I should not call again. I called on  X/XX/2017    and was told the matter is under review, and they can not help me. So I 'm filing this complaint.

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