milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have called Navient several times to get on income based payments and they said that I did not qualify for income based and I could do a forbearance to assist during my hardship. I have been paying on my loan for 2 years and have n't paid hardly any on the principal of the loan. I need help to resolve this, I ca n't continue to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX - Date of inquiry XX/XX/XXXX, XX/XX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XX/XX/XXXX6. XXXX XXXX - Date of inquiry XX/XX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed and requested Validation with Trans Union that I never file bankruptcy in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and also contacted The Bankruptcy Court.

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 02/20/2018 about Debt collection (Payday loan debt) with Account Discovery Systems, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Account Discover Systems, LLC attempting to collect a payday loan debt on behalf of XXXX. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Equifax credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is not actually investigating disputes. My identity was stolen and they 've rejected every dispute. I had to sue and finally get numerous incorrect data they never actually verified removed. Now they have another XXXX accounts and inquiry on there that are fraudulent and not mine, yet they claim they have verified. I have a police report proving they are not mine.

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 02/28/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ever since we moved to Florida in XX/XX/XXXX we have been living at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fl.XXXX in XXXX I had a XXXX XXXX done, and in XX/XX/XXXX I XXXX XXXX found out that they were some XXXX XXXX by some of out tenant, I went to the main office and question their staff and was told that is was true. I asked them if they were going to take the to court to remove them from the complex and I was informed by the staff that they were going to wait to their lease was over and terminate their lease, so I felt that XXXX XXXX XXXX was not thinking of their other tenants. they were placing my life in danger, I did not renew my lease and moved out in XXXX XXXX XXXX. they placed me with a collection agency Hunter Warfield to collect and extra month because I did not tell them that I was moving from the complex before my lease was up in XX/XX/XXXX. the collection agency placed my account with the credit bureau before they contacted me. 
I had been sending XXXX a month for the last ten months and now Hunter Warfield informed me that my payments were not enough and they would send it to their legal department. 
what recourse do I have as a consumer. 
Sincerly XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was approved for IBR but told I was n't, and given a massive new monthly payment. I called and was disconnected multiple times. When I did reach them, it was after an hour 's wait. They told me my IBR went through, and I owed approximately {$300.00}, that a bill would follow. My bill was then for {$900.00}, and indicated that this was my amount to be paid through IBR. Again, the hassle of getting through to a human being on the phone. When I told them all that had happened, the woman put me on hold abruptly, where I waited 10 minutes, then came back and told me I owe {$280.00}. No explanation, told me this was the final IBR amount and that is what I should mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : XXXX XXXX XXXX / Suntrust Bank XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XXXX/XXXX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Mortgage Fraud - XXXX XXXX XXXX XXXX Suntrust Bank We Own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Week 9 Whole Interest - every year Purchased Timeshare {$10000.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX Mortgaged {$9800.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX paid in full per XXXX XXXX records XXXX/XXXX/XXXX - have a payment history from them - showing final payment XXXX/XXXX/XXXX satisfaction of mortgage XXXX/XXXX/XXXX XXXX book XXXX page XXXX XXXX XXXX XXXX took out an assignment of mortgage with Suntrust Bank XXXX XXXX/XXXX/XXXX book XXXX page XXXX - In the legal description this is noted as XXXX XXXX Phase XXXX even though no phase XXXX units are included in the mortgage. It only includes the following phases : Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, and Phase XXXX. 

Our unit was put up as collateral in file XXXX book XXXX page XXXX. 
It was cited as having a mortgage on it, which according to their records was paid in full. 

XXXX used our timeshare as collateral, which we never assigned them the right to borrow against our unit. It was dated XXXX/XXXX/XXXX, filed XXXX/XXXX/XXXX. 

I received the satisfaction of mortgage after it was recorded 11 months after it was paid off. XXXX Book XXXX page XXXX, it was dated XXXX/XXXX/XXXX which was 2 days after they used it to get a mortgage on it. 

Their records show it was paid off XXXX/XXXX/XXXX. per the pdf payment history I received from them. 

The timeshare interest is in both my name and my husbands name, XXXX XXXX and XXXX XXXX XXXX. When they mortgaged it - they only used his name not mine as well. 
They did not use his legal name as mortgagor, it just said XXXX XXXX. 

They were never given permission to use it as collateral. They had tried to get us to sign some stamp which stated we were giving them the ability to use our unit to mortgage against, but we refused to sign it. I am a real estate broker in Michigan. I feel that they committed mortgage fraud with our unit. 
I would like to know if this is enough to make a case against them.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 04-05-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received 4 telephone messages from Transworld Systems Incorporated in the past month. They call once a week from XXXX and leave a message to call XXXX XXXX at XXXX. They explicitly state that it is an attempt to collect a debt. I did n't call back because I have not received any written notice of any debt, have no knowledge of any debt and they actually do n't indicate who the call is intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX a letter was sent to Chase Cardmember Services, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with XXXX ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither Chase nor XXXX have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted Chase bank by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Mortgage debt) with MORTGAGE LINK, INC., THE (MD).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Received a letter of " Understnading FNMA Enhancements. '' I did call, the gentleman identified himself as XXXX. Said he was not at his computer and asked if I could call back in an half hour. I said sure. After Googling the Company, I understand this is a fradulent letter and company scam. They are listed as " The Morgage Link, Inc. XXXX @ XXXX '' no other information is identified.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was denied the option to any sort of repayment plan. I had spoke with Navient multiple times about financial hardship, and the only options I had were pay what they wanted or deference. I have also had issues with payments being processed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX is trying to collect a debit from me. I get it, I owe them money. My complaint is how they are attempting to collect. They are calling my family and providing information on accounts that are not listed on. Today XXXX XXXX from XXXX XXXX XXXX called my wife while she was at work and began providing information about my account without verification. XXXX XXXX provided the bank 's name, the account name that was delinquent, the amount of debit, and how many payments the account is behind to my wife. My wife and I keep our accounts separated and my wife was not aware of any of the information provided. 

This is the second time that XXXX XXXX XXXX has called my wife at work and my wife has already told XXXX XXXX XXXX to delete her work phone number from their system. It was my understanding that creditors can call family but can have their numbers removed especially if that number is a work number and the employer does not approve of such calls. 

I am concerned that they will be calling additional family members and providing similar information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. EXPERIAN refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request the PUBLIC RECORD account - XXXX XXXX XXXX - XXXX be deleted immediately and no further action taken in regards to this account. This item was already previously deleted from my credit profile due to identity theft and the company is attemopting to reinsert this account in any way possible. This account should be removed immediately and it is still reporting.

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 12/28/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Multiple Addresses Incorrect. 

I have NEVER lived at the following addresses reported : 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MT).
Issue: Other transaction problem

Complaint: on XX/XX/XXXX I sent a wire for {$25.00} over to Coinbase INC/XXXX XXXX in XXXX. On XX/XX/XXXX they sent me an email saying that they could NOT accept the wire and they would send it back to my bank in 10 business days. Has been almost 2 months now and no money. I have contacted coinbase and asked them about it and all they say is we are very backed up and a specialist is taking care of your case and you will get your money soon but so far nothing. I would like them to return my money so I can feed my family. 2 months is unaccepted time to hold someone's money for no reason. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid a settlement t o Synchrony Financial  on  XXXX   XXXX ,  2017 for a V  alue City Cr edit card they handle. The payment was for an amount {$380.00} which should have settled the balance leave me owing nothing. I have confirmation both that the payment was sufficient for them to consider the balance settled and of the payment itself. On  XXXX   XXXX ,    2017 Synchrony  mailed me a statement reflecting the payment of {$380.00} but showing a balance of {$770.00} and a minimum payment due of {$73.00}. I called Synchrony today  XXXX   XXXX  , 2017 a nd after speaking with several people including someone off shore named  XXXX  and supervisor named  XXXX  here in the United States I was told that my account was under a review period and that it " should be '' settled in 30 days. It is unacceptable that after confirmation of this being considered paid in full that they are now telling me it is under review and I am still receiving bills.

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 08/16/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 XXXX XXXX XXXX sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5-77 ) require that you honor this request.

Company response to consumer: Closed with explanation