milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.

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 04/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I currently have around {$35000.00} in private student loan debt from both XXXX XXXX and XXXX XXXX, with my payments per month totaling around {$400.00}. Between my rent, car and insurance, and mounting credit card debt ( accrued mainly in part due to lack of finances from student loans ) I have been actively seeking assistance from XXXX lenders in paying off this debt. Every time I have called, there seems to be not a single option of assistance, except forbearance ( and even that comes with an upfront payment that I can not currently afford. ) I feel trapped and can not even refinance or consolidate because of my poor credit score. Other debtors online seem to have varying success rates getting altered rates or payment terms, but I seem to be out of the loop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient  has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collections Acquisition Company, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed this information with Equifax numerous times and have proven that they have this information invalid and that it does n't match any record whatsoever and they failed to remove these from my reports as well as provide the court docs that prove they have it accurately listed. I require that these are removed immediately. I am including the public records pate of my credit report as well as my dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017, the consumer agencies, XXXX, EquIfax and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, Equafax and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, XXXX, Equifax and XXXX credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, that you can not operate in the State of Texas with a XXXX. '' I am in need of another Investigation to remove them from my credit report please.

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 07-09-2016 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Trouble during payment process

Complaint: SunTrust received payoff on XX/XX/XXXX via wire from our closing attorney ; however the payoff was not posted until three days later, on XX/XX/XXXX, with XX/XX/XXXX as the effective date of payoff. The payoff statement from SunTrust clearly states wires received by XXXX XXXX are posted the same day. My wire confirmation shows that the wire was sent at XXXX XXXX allowing ample time for the funds to be received by XXXX XXXX.  Payoff did not post the same day and I was charged three extra days of interest by the time it did post. I contacted SunTrust by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after checking online daily, and via their secure email site following that, and am still waiting for them to 'research ' the request and refund the interest for those three days. I was first told the wire room was understaffed, which is the reason given for not posting the same day, but that the payoff would post as of the correct XX/XX/XXXX effective date. Next I was told that because the loan had two parts ( former restructure ) it took two days to post the payoff but that it would be effective dated to the XX/XX/XXXX for both parts of the loan. Finally when I saw online that the payoff had posted and that it was not backdated to the date wire funds were received, I sent an email to SunTrust via online secure mail site. That was been two weeks ago with an email 2 weeks later saying they are still researching my request.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX   XXXX , 2017 I had filed dispute compliant with TransUnion about inaccurate amounts on my credit report from   XXXX   XXXX    Dispute claim file :  XXXX  or  XXXX . ( see attachment ) Trans Union refuse to remove inaccurate amounts on my credit report the results I received by letter " verified as accurate '' with   XXXX   XXXX  .TransUnion did received my supporting documents by priority mail ( see attachments ) I truly believe TransUnion unfair decision, because I had canceled my monthly membership with TransUnion. Whenever, I would call TransUnion inquiring about my dispute. With every phone call I am always asked to purchase their credit alert plan. ( see attachment )   XXXX   XXXX  . purchase accounts though a vendor to collect with consumers with duplicating amounts also adding invalid amounts to a consumers credit reports with the credit bureau ( s ).
TransUnion and   XXXX   XXXX   are aware about the inaccurate amounts both have the illegal agenda to gain monies along with damaging my credit for 7 or more years.
Listed are the amount   XXXX   XXXX   is trying to collect invalid amounts : {$160.00} {$160.00} ( duplicate amount ) {$130.00} {$250.00} {$210.00} Total amount {$940.00}

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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Back in  XXXX  of  2016  I was a victim of  XXXX   XXXX  and suffered power outage for a week as well as property damage that caused a financial hardship. I contacted Navy Federal Credit Union for assistance and was provided " assistance " with payment forgiveness, which I later found out was not handled correctly in accordance to their disaster relief polices and subsequently was further impacted due to the mishandling/misinformation provided and ultimately lead to my credit report being impacted. Since then I have called numerous times as well as submitted hardship documentation through their online website in an attempt to reconcile the accounts in question and prevent them from continuing to fall past due. The Specialis ts at Navy Federal have provided me misleading information as well as have not followed up with me as promised on multiple occasions. I  have asked to be contacted by what they call their " personal finance management " team and promised a call back on several occasions and have to this date not received any follow ups yet I get collection calls daily. Please look into this matter, I can be contacted at  XXXX  and my name is  XXXX    XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing statement

Complaint: I made a purchase on XXXX on XX/XX/XXXX for {$100.00}. I only use the card about once or twice a year so I did n't notice right away when I did n't receive a statement. In XX/XX/XXXX I went online to look for a statement and discovered that I was charged {$64.00} in late fees. Part of my transaction, {$26.00}, was put on my statement for XXXX that was due on XX/XX/XXXX which I never received. The remainder of the transaction was put on the XX/XX/XXXX statement and at that time I was charged a {$26.00} late fee and the {$26.00} balance was carried forward. The remainder of the transaction was due on XX/XX/XXXX but I never received that statement either. On the XX/XX/XXXX statement, I was charged a {$38.00} late fee. I attempted to call customer service but after 30 minutes on hold, I hung up. I then sent an email but was restricted to a small number of characters to describe my problem. Also I had to figure out how to send it because the system told me that I used a restricted character which I later discover was an apostrophe. It 's extremely difficult to get a problem resolved and the lack of statement being sent or me being notified that is available online is very deceptive and the due dates are vague -- -one part of my transaction being due on one month and the remainder of the same transaction being due on the following month. The late fees are extremely high -- -a little less than 40 % of the transaction. XXXX and the company that administers its card should not take advantage of its customers like this. Also once the card is paid off, you have to be wary of a reoccurring {$2.00} minimum finance charge on a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from XXXX for a few weeks. They have never left a message. All I have is the caller ID number which I used to search the internet. I found a XXXX listing with the information about the company. It appears to be some type of debt company named Paramount Recovery Systems. I do not have any outstanding debt. I tried to call the number to tell them they have the wrong number, but it rings busy. They continually call, but give me no way to redirect their calls. They have called, but left no messages on : XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, and XXXX/XXXX/2016 @ XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
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. (TX).
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: Equifax has been notified of an inaccurate account on my file and has not removed it, despite proof of not being validated. I have written verification from the company that the account can not be verified. Equifax is in violation of FCRA Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Federal student loan servicing) with ACCESS GROUP INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But XXXX  and Transunion will not remove it.

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 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 03/27/2018 about Debt collection (Other debt) with California Business Bureau, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Rent Recover, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements/documents on how this alleged debt was calculated. There is no need to state the law as I 'm sure you 're aware of both our rights under the FDCPA and FCRA. I await a prompt resolution to this matter. Also consider this my formal request for validation considering this is our first time communicating.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2015 about Debt collection (Medical) with ESCALLATE, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Creditor agreed to remove from my credit file. The account is still showing on my XXXX credit report. This debt was discharged through chapter XXXX bankruptcy.

Company response to consumer: Untimely response