milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 10-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft. I have an extended fraud alert on my credit report. There have been numerous unauthorized inquiries on my credit report. I mailed letters to each of the creditors that are showing up on my report that I did not authorize but have not received a respons. I contacted Transunion by phone and by mail to dispute the inquiries and they refuse to remove them. These inquiries are affecting my ability to apply for credit. My complaint is with Transunion. Similiar inquires were showing up on XXXX and XXXX was very helpful in removing them right away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with UNITED GUARANTY CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to United Guaranty and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.XXXX XXXX told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the first I have heard of this issue and it seems shady to me since it was over 10 years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sent a letter requesting payment for tolls incurred by a XXXX registered vehicle in XXXX in XXXX. I have been a XXXX resident since XXXX XXXX and have not owned a vehicle registered in Florida since them. The request letter came from a big law firm located in XXXX and XXXX ( Linebarger Goggan Blair & Sampson LLP ). It disturbs me that they can send out debt collection letters to people without having to verify any information. In the meantime it has cost me considerable time and mailing costs to respond to their request. I read of similar complaints on XXXX ( people who lived in other states, some that do not even drive ). I did verify that the state turned over the debts to this law firm. Disappointing to see a law firm not verifying ownership before sending out their letters requesting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XX/XX/XXXX I filed a dispute with equifax stating 2 items were being reported incorrectly. One I tem was XXXX XXXX XXXX in which they never investigated and I continued to send in requesting new investigations and still nothing they totally ignnore. at the end of the year XXXX I get item investigated.and remains. Thats 360 days it took to investigate this item has 30 days but they kept ignoring. Now they say was investigating but no information is available on this account buy account holder so how investigation was done is beyond me. Equifax violated federal law as it has 30 days to respond not one year and is and should be fine. I sent them a new letter in which they signed for on XX/XX/XXXX telling them od the fraud they have committed and to remove the account its now XX/XX/XXXX and they have ignored and have not responded back. This item goes why beyond fed limits and they should be fined which is my next step as it has cause great distress. Next at the same time account XXXX XXXX XXXX was also received on XX/XX/XXXX by Equifax. This item was previously removed in XX/XX/XXXX then put back on after removed and disputed for a year not 30 days then they after a one year investigation which is illegal come back and add time on to a loan that was paid off XX/XX/XXXX and show it being paid all the way though XXXX and marked status 120 late. Now they ignored my request that they received on XX/XX/XXXX to remove and havent responded and its now XX/XX/XXXX. This is also a serious violation of federal law. How can a loan paid off in XX/XX/XXXX show late 120 days a year after account was closed.. They flat out ignored both my requests not only in XXXX but now XXXX. This has cost much damages to my credit score as well as taken much of my time to write letters to try and correct and only to be ignored. Such failure of federal law should entitle me to 1000s of dollars..This is total neglect of their responsiblities. I dont wish for a new investigation as they have botched up and ignored 1 plus years of request. I want these items totally removed as well as some kind of compensation for there neglect of duty.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Information not removed from credit report after being paid or discharged in bankruptcy and credit each credit bureau is showing different information and different accounts to I have filed bankruptcy twice and I should not have any negative items on my credit report

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 11-07-2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX  mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Midlan D Funding. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Confusing or missing disclosures

Complaint: Paypal, so far the most complained among the virtual currencies, blocked my account without any explanation or logics on XXXX 2015 and it is still blocked after my several attempts to have it unlifted!! Paypal, following its tradition of doing ridiculous and stupid things, is keeping the restrictions on my account and it seems nothing can be done in order to be able to make transactions in my account! I am unable to send payments as well as receiving payments and without any explanation from Paypal! I only get nonsense words from Paypal agents on the phone, whatever they state is contradictory and incoherent and when I want to speak with a supervisor I get cut off!! I posted a complaint in this website : http : //www.paypalcomplaints.org/ but Paypal remains completely passive on it, shameful!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Private student loan) with NELNET, INC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Nelnet , Inc. ( XXXX XXXX XXXX ) was the servicer on my prior student loan. I refinanced my student loans through another loan provider and servicer. XXXX did not process the loan payment until over a month after the refinancing check was sent. They then backdated the processing date of the refinancing check to the date of its initial disbursement. None of this is of particular concern, except for the lag in processing time required me to make another installment payment on my student loan. This meant that, including the refinancing check, my loan was overpaid by a substantial margin ( approximately two months worth of overpayments ). 

I called XXXX to check on the overpayment. They did not indicate they would automatically send the " credit '' for the overpayment. Rather, based on my conversation, it seemed as though the consumer had to call to have the overpayment credited back to the consumer/the refinance provider. My loan was paid in full on XX/XX/XXXX. Overpayments occurred on XX/XX/XXXX and XX/XX/XXXX. XXXX has indicated that payment is forthcoming, however, I still have not received a credit for my personal overpayment or the overpayment by the refinancing provider. 

I can not tell is this is just ineptitude on the part of the servicer or bad faith ( i.e., delaying the processing of refinancing payments, which forces consumers to effectively overpay by 1-2 months, then not automatically crediting consumers with the overpayment amount ). In any event, taking over two months to refund a consumer amounts paid over the principal + interest outstanding on a loan is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Mortgage debt) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I faxed the mortgage company XXXX XXXX XXXX the 2011 Chapter XXXX discharge court case last week. XXXX XXXX XXXX continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from XXXX XXXX XXXX informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: Loan Depot lured me with very good rates, " locked me in '' on good refi rates for my home and my rental property and then requested supplemental information repeatedly all under the guise of XXXX and XXXX requirements. I turned all their info requests around within 2 business days. Their last info request questioned my " ownership '' of a rental apartment I had rented from XX/XX/XXXX to XX/XX/XXXX and my " ownership '' of the building that houses my former employer, XXXX! These kinds of questions had gone on for about 3 months and then, when they finally approved both refis, they indicated that the rates had gone up. It was a classic bait and switch. I declined their revised rate offer, but they should not be allowed to do this to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get a loan modification from Shellppoint Mortgage since XXXX/XXXX/15 and Shellpoint is not being copperative at all and they keep changing the assigned representative handling the file and continue to ask for the same documents over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have with all three credit agencies to fix my credit reports and XXXX and XXXX have followed proper protocol as far as handling my complaint the problem comes with Equifax. I have submitted a court order to them on numerous occasions regarding XXXX and they still have yet to update my information, in fact I was to by a representative that because this company has my SSN that supersedes the court order which I know is false. They have items on my report that date back ten and thirteen years on my report and have their protocol to contest these items and they told that they were not going to remove even when I show them the law that state the time frame they should be removed. they have inquiries on my report dating back to 2013. I would like these items remove and my report reflect my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm having difficulties with Navient, they do not show you the actual monthly amount owed on their payment portal for each loan, instead they bundle their crazy late fee 's together with the monthly payment making it impossible to see what is the breakdown of what you the actual minimum amount owed per month versus the crazy ( should be illegal ) late fees. In XXXX 2017 my payments changed, I was not provided any monthly statement showing what the actual payments would be. I contacted them, was given my new payment amounts over the phone and I made those payments. Apparently because I was off by {$1.00} they did n't notify me and they simply add the late fees to keep charging money. For the last three months they have been changing my minimum amount owed causing me to call in to get the actual payment amount because they do n't provide detailed statements. When asked why I do n't get monthly statements i am told they are being sent to my mailing address - the address is correct but they do not make it to my house. Every time i ask customer service what 's going on and how to fix it they tell me they are unable to help me. They are also unable to help me with the customer portal " because they do n't use it ''. My email was incorrect last time I called again ( they already had my email correct before ) and had to be corrected again. For some disturbing reason they do not show their late fees on the online statement, only the amount owed on the actual loan. As of X/XX/17, I have late fee 's going back to the beginning of the loan when i missed a few months, in the amount of {$660.00} + {$920.00} on two loans ( late fee 's alone ). It should be legally required that these providers demonstrate every month a breakdown of all the fee 's they are charging, instead of just stealing money because they have a government backing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with Law Office of Rory W. Clark, APLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX, has placed a lien on my home through their attorney in California Rory W. Clark, I never received a notice informing of a court appearance or lawsuit. My original debt amount is for {$3000.00} they are asking for {$10000.00}. I have called them to XXXX XXXX XXXX and the Law Offices of Rory W. Clark to negotiate to resolve this debt they refuse. XXXX will only deal with me through their attorney. The representative I spoke with at the law office of Rory W. Clark is XXXX XXXX. I am a XXXX XXXX year old woman living on a fixed income. I feel that XXXX XXXX is using the law to intimidate to pay a debt, that is well above the amount of money I actually owe. How is this legal there should be a law against this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WV).
Issue: Loan servicing, payments, escrow account

Complaint: Borrower was notified XX/XX/XXXX by XXXX County Courthouse that there were past due taxes on the home. Borrower notified Caliber Home Loans via fax and phone of the past due taxes as well as included the statements from the courthouse of taxes due for XX/XX/XXXX as well as XX/XX/XXXX. 
Contacted Caliber again XX/XX/XXXX and spoke with XXXX XXXX, manager of Customer Service regarding the unpaid taxes from XX/XX/XXXX as well as the now past due taxes for XX/XX/XXXX. Continued communication with XXXX XXXX throughout XX/XX/XXXX have yielded no results on taxes being paid. Now have been notified by XXXX County Courthouse that home is scheduled for auction if past due taxes are not paid by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Spend numerous hours trying to cancel a gym membership and was unable to with the gym manager. Finally was able to cancel and get charges refunded which manager assured me this is resolved by an email and voicemail which I have. After receiving the debt call I was able to reach the billing dept which was unknowst to me. They came to the conclusion about me owing the debt even though the manager assured me it is resolved. This company looks to have a bad history of debt not being owed as shown with the XXXX and an investigation by XXXX i team for similiar practices. I also have a voicemail I can send of the manager calling me to say this has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I AM AWARE THAT TRANSUNION HAD A GLITCH IN THERE SYSTEM IN THE SUMMER OF XX/XX/XXXX AND AGAIN IN EARLY XX/XX/XXXX. I HAVE CONTACTED TRANSUNION AND SENT LETTERS ABOUT INQUIRIES THATS LISTED ON MY CREDIT REPORT THAT I DO NOT RECONIZE. THE INQUIRES WERE DELETED FROM THE CREDIT REPORT THEN LATER TRANSUNION ADDED THEM ALL BACK ONTO MY CREDIT WITHOUT GIVING ME LEGALLY REQUIRED WRITTEN NOTICE 5 DAYS PRIOR TO THE READDING THEM. I HAVE CONTACTED TRANSUNION IN GOOD FAITH TO HAVE THE INQUIRES AND NO LUCK I KNOW MY RIGHTS AND WILL NO ALLOW TRANSUNION TO VICTIMIZ MY TRANSUNION

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