milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was OFF of my XXXX report!!!!! It NEEDS TO STAY OFF!!!!! I just looked at it, and it 's back on there!!!! I 've never had this credit card in my XXXX life, and it 's under my maiden name!!!! It was for {$7.00}, then increased to {$770.00}!!!! These people DO NOT LISTEN!!!!!!!! I have tried communicating with them in the past!!!!! Unacceptable!!!!! I AM NOT paying for this!!!! I did n't do it!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My transunion report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by XXXX XXXX in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with XXXX they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was  never late. The missing payment there happened during my 60-day service transfer window mandated by federal law.
Thanks

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 11/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is showing an installment loan that is closed as open. The account # is XXXX with XXXX in the amount of {$15000.00}. This account shows duplicate as a collection as well with equifax , but that has been handled appropriately. XXXX no longer show this installment loan as open. I disputed this directly with equifax and the account shows as closed in there database. I simply need equifax to report it as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: I lost my home back in XXXX to foreclosure after being underemployed. I worked very hard to receive assistance with a loan modification through Wells Fargo Home Mortgage and I was unsuccessful. I gave them every piece of paperwork they requested and still received no help. I now have a {$120000.00} balance on my credit report. I do n't feel I was given a fair chance to catch up payments/loan modification which resulted in me loosing my very first house ( purchased in 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 05-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is a follow-up to complaint filed with CFPB (  XXXX  ), filed against  Navient. Recap : I 'm trying to pay down my student loan as quickly as possible by paying more than the m inimum each month. I set up monthly autopay but the amount set for each month continuously decreases without notice or permission, even after numerous contact with  Navient and  explicitly telling them not to lower the monthly amount. The last complaint from late  XXXX  about this same issu e. Navient resp onded and provided instructions on how to prevent this. Update : This worked for 2 months and then happened again in  XXXX   XXXX . I have followed up directly wit h Navient to inquire why this is happening again, even when I followed the instructions provided by their representative. Representative was unable to provide an explanation or assurances that this would n't occur again. Once again, Navient is trying  to extract as much money from me by attempting to make my payments last as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: STELLAR RECOVERY IS REPORTING INACCURATE INFORMATION ON MY XXXX CREDIT FILE THIS IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: New public record/ child support law took affect XX/XX/2017 since then I have been writing, faxing and calling in to get items that are reporting to my credit bureau file invalidly removed and XXXX  and Experian have refused to compile with states law. IL Dept of HC and  Family services is child support which is reporting invalid account status, dates, amounts and to my knowledge is not suppose to appear on files any more because account does not have any contractual agreement for services or products offered and XXXX XXXX XXXX is not my account I do not recall having any services or contract with this company. Other account that appear on Experian only that need to be removed in addition to the two mentioned above are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: While contacting Barclays to activate my rewards, the IVR stated that I had a payment due. Knowing that I had a payment posted today, I contacted their customer service at XXXX. The first man I spoke to informed me that they had not yet posted my payment and that it would take 2 business days to post. I asked if they would be effective dating the payment and he said no. I asked him if he was sure because they are required post my payment with the effective date as of when they receive my money. He again said no. He said their policy was 2 business days. I told him that they can not continue to charge me or any other customer interest if they already have my money. I asked to speak to a supervisor. After waiting on hold for XXXX, his Supervisor XXXX got on the phone. I asked her the same question, since you received my money today, XXXX/XXXX/16, will you be effective dating my payment. She too said no, that their policy was that it would not be posted for 2 business days. I again said that that is not right. You have my money and you can not charge me interest from today XXXX ( Friday ) until two business days next week ( Tuesday. ) I told her that is not acceptable and that I would be filing a complaint on the CFPB website. She told me to call back in two business days to verify the money was received. I told her I know the money was received by Barclays. I have a mobile confirmation and my bank also confirmed. She tried to say that my bank had not yet sent the money which was not accurate. She said that if I paid it on the Barclay 's website I would have received credit today but since I sent the funds electronically from my bank, it would take 2 business days. I told her that is not fair and they are still obligated to effective date my payment today XXXX/XXXX/16 regardless of when they post it because they had my money today. I have confirmation the money was received by Barclays today XXXX/XXXX/16 and it was not posted to my account. When I called my bank, they said this was not the first complaint that they have had about Barclays. I would like a full audit of my account and an interest credit from Barclays for every payment that they have held my funds for two business days. I would also like interest on the interest that I was overcharged. I would like all prior payments effective dated the day they received my money.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: This year, Equifax has placed Multiple Fraud and Extended Fraud Alerts on my Credit File. However, I have never verbally or in writing requested for Equifax to add any type of fraud alerts to my credit file. They then send a request to  XXXX  and    XXXX    to add Extended Fraud Alerts to my credit file.
When this issue first started, I was n't sure why the alerts were added and I requested them to be removed via a Phone call to the bureaus directly. I even submitted a copy of my driver 's license in which Equifax has confirmed that they received along with a handwritten note requesting that they do not add any other fraud alerts to my credit file without a written request from me.
<P/>
I have never provided any written request to Equifax or any credit bureau requesting a fraud alert to be added to my file.
I have never verbally requested or authorized Equifax to add a fraud alert to my credit file.
<P/>
I have had to have this discussion with them 3+ times and each time I can only speak with the Consumer Affairs department in which I feel they placed my file   there because of my complaints about their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its a fact of record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX, XXXX violated my rights under the Fair Credit Reporting Act. I did not know that I had a right to dispute this debt. I do not owe this debt because I do not have a contract with this company. My account was sold to them therefore I do not owe any money as I did not sign anything with them therefore they can not collect any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Billing disputes

Complaint: I pay {$700.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My Identity was stolen I provided all documentation so the Debt Collector will remove the debt, waiting on response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint: I purchased a new 2018 XXXX XXXX at XXXX XXXX of XXXX at XX/XX/2018. The negotiated price for this vehicle is XXXX, but we actually paid XXXX without the interest. The reason is during the final finance process, the finance person ( XXXX ( XXXX ) XXXX ) intentionally changed the contract without notify us. 

He is so misleading. He said we must include a maintenance package in order to apply the loan, but we found it not necessary to buy the maintenance package later. 

He pushed us to sign all the contract under the condition that we did not fully understand the contract. Besides, he did not explain all the details, even he did not mention that he let us to sign a service contract with worth XXXX $! Moreover, our vehicle already includes a ResistAll package that covers for 4 years. But he changed the coverage year to 7 years without notify us and charged us additional XXXX . However, after we signed the contract we realize that the year is wrong. But he said once you signed it, it could not be cancelled. Also he charged twice for ResistAll, one is for 4 years and one is for 7 years. It is nonsense to have two ResistAll packages! 

The reason why we did not find the error immediately is that the total additional charge ( XXXX $ ) is the same as our down payment ( XXXX $ ), and he only showed us the remaining payment after the down payment, which we think is the full price. Such things are really misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I opened an account with Ctizens Bank in XX/XX/XXXX. In XX/XX/XXXX, without my knowledge 4 more accounts were opened online and overdrafted. I did not find out about these accounts until i tried to open another bank account in XX/XX/XXXX and could not due to a low XXXX score. I then ordered a XXXX report that were all close due to account abuse. On one account the date reported was XX/XX/XXXX, and the charged off amount was {$320.00}. On aother account the date reported was XX/XX/XXXX, and the charged off amount was {$790.00}. The third account was reported on XX/XX/XXXX and charged off for {$1000.00} and the fourth charged off account was reported on XX/XX/XXXX and charged off for {$390.00} I did file a police report and I have sent numerous letters to Citizens Bank asking for signature cards to be sent to verify that indeed I did open these accounts ( because I did not sign any ) or if they can not provide such evidence to remove the negative marks off of my XXXX account and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies (  XXXX XXXX, XXXX and Experian ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by Experian. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what Experian claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of XXXX XXXX, XXXX and Experian failed to stop or discourage XXXXXXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by XXXX XXXX, XXXX and Experian.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only XXXX has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a mortgage and Equifax sold my information to another mortgage company which called me to solicit my business. He told me my credit was good and he could help me get a better rate. I explained I was happy with my broker but he was persistent. I finally got him off the phone by having him email me his information. I never gave Equifax approval to sell my information to anyone. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX shows on my XXXX credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX of the error in the XXXX Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 
Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.

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