milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: To whom it may concern : I am disputing the XXXX XXXX XXXX on my credit report. 

As of today, Equifax has not removed the XXXX XXXX XXXX from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) rule of XXXX XXXX, 2017, which states, in part, the CRA will remove any Public Record, Judgements, and Liens, that do not have all the required information. 

Therefore, tax liens that do n't have the full Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies database. 

My Notice of XXXX XXXX XXXX dated XX/XX/XXXX from XXXX XXXX, Virginia XXXX XXXX displays a partially redacted Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). 

Based on the NCAP rules that became effective XX/XX/XXXX2017, I am disputing the XXXX XXXX XXXX that is reporting on my credit report and request that it be removed accordingly. 

XXXX and XXXX have immediately deleted the aforesaid XXXX XXXX XXXX but Equifax continues to report the Lien. 

Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HUNTINGTON NATIONAL BANK, THE (SC).
Issue: Trouble during payment process

Complaint: Over the past month I have talked to multiple people at the bank and they made many promises to me to get it fixed and Huntington National Back has not fixed my credit limit. I owe {$0.00} my total credit limit is {$32000.00}. Bit my avsilible credit shows $ XXXX less than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

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 12-04-2015 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had the most difficult year with Campus Partners. Each year a portion of my student loan is cancelled because I am a XXXX. As part of cancellation, each year I submit deferment and cancelation forms to the company to verify that I am employed XXXX. This past summer, in XXXX of 2015, I faxed both the deferment and cancellation forms as usual. Since then, I have re-faxed the paper work nearly every month and called the agency every month to determine if they had received the documents. This has been going on for an entire year! Despite my sending information, I was reported to numerous credit agencies, which had an adverse impact on my credit score and ability to purchase a home. 

Recently, I filed a complaint through CFPB and was later contacted directly by a representative from Campus Partners. The individual had me fax her the same paper work. The account was FINALLY updated within a couple of days, however, the adjustments were not made to the credit reporting. 

I contacted them, again, and spoke to XXXX ( employee # XXXX ) who for the first time in a year took that time to look through the system and determine that XXXX of their representative made an initial error by not keying in information properly the first time, resulting in my " defaulting '' on the loans. XXXX apologized and stated that she would note in the system their error and have then revert the negative reports to the credit agencieS. Instead of sending the information to the XXXX major agencies -- XXXX -- the information was only sent to XXXX At this time, I am requesting, that, the correct information be sent to ALL XXXX agencies so that the damage done to my credit rating -- due to their negligence -- is repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In  2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first hou se or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!

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 06-11-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: keep getting odd numbers showing up on my WORK phone. When I look the numbers up on the internet, I find they are many different numbers for Portfolio Recovery. And I also see there are MANY complaints about this company. This is my WORK phone. My boss has even answered and told them it was illegal for them to bother anyone at work, and they still call, so I do n't answer. Any debt I have is being handled, so I do n't even want to talk to them, because from what I 've read on the web, these people take even answering the call to be some sort of admission of responsibility for the " debt ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Consumer Loan (Vehicle loan) with Mathes Management Enterprises, Inc. (GA).
Issue: Managing the loan or lease

Complaint: Sterling Financial has reported a loan to the credit bureaus that I do not have placed with them and they have also reported it with derogatory information. 
The loan they have me listed for is actually not theirs to list but belongs to XXXX XXXX XXXX and is paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with The Law Offices of Matthew R. Wildermuth (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: Entered into a agreement for legal services with Matthew R. Wildermuth to modify a mortgage agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX Received notice of foreclosure sale set for XXXX XXXX, XXXX from XXXX XXXX XXXX. 

Received termination of representation for mortgage loan restructure on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened a XXXX XXXX XXXX close to 10 years ago. I have been using my card diligently including becoming one of their best customers in the Luxe card category. I have been making payments as required by the card agreement including making extra payments. I recently updated the details for one my accounts that I use for payment. However when I proceed to check out my payment, the system defaults to the old account that I no longer use. It has happened twice in XXXX and last week XXXX XXXX XXXX. The payments am attempting to make are not the required monthly minimums but rather extra payments. The card has always been paid on time, with no missed or late payment for 9 years. Unfortunately yesterday when I attempted to use the card the transaction was declined. I made an effort to contact Synchrony bank the card issuer and was told my account was closed due to returned payments on two occasions. I requested that they review my account, payment record/history, duration the account has been in service and other information on my credit file. However one the managers XXXX XXXX declined my request. I have been a card holder for the last 10 years and I find this business practice punishes a cohort of those customers that otherwise are up to date with no missed payments or late payments and yet the bank is not amenable to reviewing these supervenient circumstances, a core to good customer relations.

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 06/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several inquiries on my report from XXXX & XXXX that was not authorized. I have called the credit bureaus and was told to call the companies that pulled my credit. I just recently called XXXX and they can not find any record of reapplying for credit with them, but it is showing in my report at least 4 times. So after speaking with XXXX I called the credit bureaus back and they still would not remove any inquries. I need some help with this because I am being pulled into XXXX directions but not getting anywhere. Thanks so kindly for your consideration and your help!!

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 05/24/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Delinquent account

Complaint: Target is reporting every month that my account is charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2017 a charge of {$430.00} was made on my Citibank/ Sears Card , this was not my transaction.

I have tried to resolve the transaction with the issuer of my card, and even though is it quite clear that the signature for the transaction is not my signature, Citibank/ Sears Card are refusing to refund my credit card the fraudulent charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint involves bundled services for home phone, TV and Internet provided by XXXX I decided to switch my bundled services from XXXX to XXXX ( XXXX XXXX in XX/XX/2016. XXXX service was installed on XX/XX/2016 ; when installation was complete and phone, TV and internet were all working, I called XXXX to cancel my bundled services ( home phone, TV and Internet ). In XX/XX/XXXX, XXXX billed me services from XX/XX/2016 - XX/XX/2016. Beginning XX/XX/2016, I attempted to get XXXX to remove the charges for the home phone, TV and Internet services ( which I canceled on XX/XX/2016 ) from my account. I have made multiple phone calls to XXXX, spent hours and hours talking with multiple ( XXXX ) XXXX representatives and been promised that corrections have been made. Yet I have continued to receive fraudulent bills for services not received. 

Despite making a call to XXXX on XX/XX/2016, at which time an XXXX supervisor promised that my account had been adjusted to reflect only the services I received from XX/XX/2016 - XX/XX/2016, XXXX turned my account over to collections the following day, XX/XX/2016. After more phone calls to XXXX on XX/XX/2016 my account was eventually reduced to reflect charges for services from XX/XX/2016 - XX/XX/2016. Although I have asked XXXX to recall my account from collections ( since my account was not corrected until after XXXX turned it over to collections, XXXX has refused to do so. I am being penalized and my credit has been damaged through XXXX fraudulent actions. ( See attachments for detailed description of my calls to XXXX, contacts by collection agency and fraudulent bills ). 

IN SUMMARY : XXXX has acted in bad faith and made false/deceptive statements to me throughout this process. I have continued to dispute the fraudulent charges and attempted to resolve the matter in good faith. XXXX ultimately sent my account to collections, even though my account contained FRAUDULENT charges for services I had canceled and had been disputing continuously since XX/XX/2016.

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
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: THIS LOAN HAS ALREADY BEEN PAID OFF ( SEE ATTACHED DOCUMENTS ). PLUS I WAS CHARGED INTEREST AND " FEES '' ( WHATEVER THAT MEANS ) LONG AFTER THE DEBT WAS PAID!! THE DEBT WAS PAID TO THE US TREASURY DEPT, BUT WAS NEVER REPORTED TO THE DEPT OF EDUCATION!! TO THIS VERY DAY XXXX XXXX, 2017, THE DEPT. OF EDUCATION DOES NOT HAVE A RECORD OF THESE PAYMENTS!! AS A MATTER OF FACT, NONE OF THE COLLECTION AGENCIES WHO HAVE EVER HANDLED MY CASE, NEVER HAD A RECORD OF MY PAYMENTS TO THE US TREASURY DEPT!! THIS IS AFTER REPEATED NOTICES TO THESE AGENCIES THAT I HAD PAID THIS DEBT OFF!! THEY REFUSED TO, FOR WHATEVER REASON, TO IGNORE THIS FACT!! EVEN THE DEPT OF EDUCATION, AGAIN FOR WHATEVER REASON REFUSED TO ACT ON MY REPEATED NOTICES THAT I HAD PAID THIS DEBT THROUGH THE US DEPT OF EDUCATION!! THE SUPPORTING DOCUMENTS FROM THE US TREASURY DEPT. PROVES THAT!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (VA mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I am having a very difficult time with New American Funding with a VA Loan. I am trying to do a short sale to avoid foreclosure. I am currently in the XXXX. I own a home in XXXX XXXX and was transferred to XXXX last year. I had to rent the home that I am trying to short sale. I had some trouble with the tenants and was unable to travel with my job. They stopped paying rent and did damage to the property. My income decreased because of the lower cost of living in XXXX and I was unable to keep up with the payments or do any repairs. 

The problem that I am having now is the VA is stating the property is worth {$300000.00}. This property is in poor condition and it is not worth this value. The real estate agency I hired is currently trying to resolve the issue with XXXX XXXX XXXX with a dispute but have learned they are being fraudulent with the dispute. The real estate agency has to be 100 % upfront on the repairs needed to the property, they 're required by law. But the lender and the investor ( the XXXX ) does not? I am currently in review for a short sale with an offer in and the lender will not postpone my sale date? From my understanding that is required by XXXX state law. 

It has clearly been shown to the lender and the investor that there is more damage to this property that the appraisal did not show in his report. That has been proven and they will not accept it. 

It appears to me they do not want me to do a short sale to avoid foreclosure. They are doing everything they can to make sure that happens

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TRANS UNION - I tried to look at my report, and screen blinked, and could only see it for a second. I tried again, and they we already gave you the report, when I did not get it. I sent a message to them, and I got a terse letter saying along the lines of 'too bad, we gave it to you, you can pay for another if you would like. ' XXXX - I get this message : A condition exists that prevents XXXX from being able to accept your request at this time. 
They say I have to mail in a request. I am now unable to get XXXX of the XXXX reports. 
I get all my reports quarterly, I am now XXXX reports behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Advertising and marketing

Complaint: This is about Amex Gold Delta Skymiles credit card. When I was booking airline tickets at XXXX on XXXX/XXXX/XXXX and ready to pay with my visa card, a pop up came up inviting me to apply for the XXXX skymile credit card to get {$50.00} statement credit and XXXX bonus skymile miles after spending {$2000.00} in the first 3 months. So I clicked on the link and applied for the credit card. The card was immediately approved and used to purchase the airline tickets. I continued to make purchases with the card so it met the purchase requirement of {$2000.00} during XX/XX/XXXX. 
When the statement came, I did n't see the {$50.00} statement credit posted, neither the XXXX bonus miles credited to my skymile account. So I called customer service on XXXX/XXXX/XXXX and was told that I would get the {$50.00} statement credit and bonus miles in next statement cycle. When I still did n't see those bonus posted in the next statement, I called again on XXXX/XXXX/XXXX. This time I was told that I did not qualify for the bonus because I had the card in the past ( which had been canceled before ). I asked to speak to a supervisor who gave me the same answer. The supervisor said that his manager would call me in 24-48 hours to resolve the issue, but nobody ever called back! 
I felt totally deceived. First of all, I did n't ask for this credit card, they lured me to apply for the card with bonus offers and promises. I would never apply for the card if there were no bonus offers. Second, I did n't see anywhere that they stated that the bonus offer can only be given to customers once in a life time. If they do have such exclusions/restrictions, they should n't lure customer to apply for their credit cards with those bonus offers in the first place! That 's an obvious deceitful business practice!!! I am also very disappointed at their customer service who refused to resolve this issue. I am now reporting this issue to CFPB and asking Amex Delta skymile credit card to honor their promise and give me the {$50.00} statement credit and XXXX skymile miles that I well deserve. If the issue is still not resolved through CFPB, I 'll cancel this credit card and stop using Delta airline and Amex service anymore in the future. I will also report this act of deception and malpractice to XXXX and attorney general to have this matter investigated. I am sure that there are many victims like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I check my credit Report and I found a deb, after I called XXXX and they told me I own some money from a /XXXX in XXXX XXXX the collection company never contact me for no reason I just found out from my credit Report, at this moment I have all the documentation to show I do n't own that bill, but at this moment my credit report got hurt for something I dont own.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Payday loan) with Midwest Recovery Systems (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX I checked my credit report. I notice that Midwest Recovery has me in collections I sent validation and verification letters to the company 45 days ago to this date I have not recieved a response. The orignal creditor which is XXXX XXXX payday services which I looked the company up and its a scam. I am unable to obtain credit due to this negative information in which I have never heard of this company. I sent letters asking for orignal contracts identification etc and I still have not heard from the company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation