milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Transunio n Consumer Relations     XXXX   XXXX   XXXX       XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded  and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of th  e verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   XXXX    XXXX  Unverified Account

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 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax has some kinda of block on my credit file. I sign in to equifax XXXX my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I dont have a credit file. XXXX XXXX worked for me only on 1 day XX/XX/2017 and one day only. After that equifax placed some kinda of block preventing my credit report from displaying.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a past due balance from an apartment Complex called XXXX XXXX which was sent to Hunter Warfield, a collection agency. I spoke with XXXX XXXX back in XX/XX/XXXX who said that my balance was {$570.00}, but was willing to settle for {$220.00}. I was unable to do that as I originally planned. I called the agency back today & spoke with XXXX XXXX who now says that my balance is {$580.00}. I asked why and he said that they charge interest and that they 've had the account since XX/XX/XXXX. When I .looked at paperwork from XXXX XXXX, my balance was {$520.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / Equifax & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / XXXX & Equifax and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as Equifax & XXXX always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On or about XXXX XXXX, 2014, I applied for a loan consolidation serviced by Navient. It has recently come to my attention that Navient is being sued for unfair and deceptive practices. Upon further review of the terms and conditions of the consolidation application, specifically clause " G '', I have become concerned that Navient " may '' convert my department of education loans to private loans, raise interest rates and/or deem me ineligible for certain repayment plans and/or student loan forgiveness programs. Clause " G '' is vague and deceptive. I have heard of other borrowers whom experienced the aforementioned conversion and I am formally objecting to any such conversion. I am now worried about the most recent loan I took out through Navient for XXXX school education, whereby I am seeking a degree in human services. I would have never agreed to the terms and conditions used by Navient if it was made clear I could become ineligible for student loan forgiveness in the future, as I plan on working for a non-profit organization after completing my XXXX program. 

In addition, I 'm worried that Navient has or could misappropriate my payments or any other calculations regarding my loans and/or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete.

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo reached out to me about refinancing my mortgage in XX/XX/XXXX. At the time I was considering using my financial planner to help me with a loan. However the Wells woman confined me to go with them. I provided financial information to them in XX/XX/XXXX. They gave me a guaranteed rate through the end of XX/XX/XXXX. Interest rates then went up, so it is a very attractive rate. SInce then they have been stonewalling me, finding all sorts of excuses to delay the closing date. It appears to me that they would like to get out of their obligation so keep losing paper work, sending corrupt files to the underwriters, not telling me that some of the financials they have are dated until it is too late. This loan is less that 10 % of my net worth, the loan to value is 59 %, I have a nearly perfect credit score, and my investment income alone covers my interest costs. At this point no one at Wells is returning my real estate lawyers calls or my calls. It is two weeks away from XX/XX/XXXX, they know I will be out of the country from XX/XX/XXXX-XX/XX/XXXX and are now avoiding me. This is outrageous behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: i do owe for the current month of mortgage wi th Wells Fargo.  With a payment scheduled on 2nd mortgage to come out today. However. I am being calle d 10 times a day. With a message of Hello & hang up on voicemail.        Here is 1 day of calls  XXXX   XXXX  ,2017 ca lls at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (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: American Express - Fraud Operations Dispute Refrence # XXXX I have been frustrated trying to resolve a fraudulent charge since XXXX XXXX. I have been told that the matter was raised under incorrect department which caused delay or complication in processing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have disputed multiple  XXXX    XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

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 03/21/2017 about Debt collection (Credit card) with Javitch, Block & Rathbone LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Contacted about debt that is not 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 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XX/XX/XXXX and they have verification wrong so i can not check on status. XXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (I do not know) with Talbot, Adams, & Moore, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My father passed and when I received his death certificate I took it along with all necessary papers requested by the bank to closed his account. Weeks later the bank tried to reclaim the funds as it was money from Social Security. Anyway I had filed bankruptcy during this time period and this was an unnamed debt that falls under the Federal Bankruptcy Code In re XXXX, XXXX XXXX, Debtor. United States Bankruptcy Court, XXXX XXXX XXXX. XXXX ( 1997 ) Bankruptcy No. XXXX XXXX XXXX XXXX, 1997. As described in Section XXXX ( b ) of the XXXX. Section XXXX ( b ) provides that all of a debtor 's pre-petition debts are discharged ... XXXX ( b ) ( emphasis added ). The issue in this case is whether reopening the case to add an omitted creditor is necessary to accord relief to the Debtor. The Court concludes that reopening a & quot ; no-asset & quot ; chapter XXXX case to add an omitted creditor has no effect on the dischargeability of such debt. 

Additionally, I do not believe I owe this debt as notified the bank of my intention to close the account because of the death and thereafter presented the bank will all necessary papers they requested. I gave all this information to the collection agency. I heard nothing more until I was contacted that the debt was sold. I informed the new collection agency of the situation and all collection attempts have stopped but it remains on my credit report as possibly being included in a bankruptcy. I would like it removed from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was trying to settle the debt/make a deal, and MidLand Credit Management refused to take the dispute issues, alerts off the report. They know this is for a purpose of a mortgage, and so this is therefore sabotage. I ca n't even settle the debt. They are n't going to remove anything, knowing that this needs to be done for purpose of buying a home. These are foreigners who hate my American guts, and will do anything they can to make my life miserable and difficult. in other words, they refused to be helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IN).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Who : Unknown. I do n't know who opened the credit card without my authorization What : Victoria Secret Credit Card Where : In  XXXX  Indiana When : The credit card was opened      XXXX   XXXX   XXXX   Why : Unknown How : It was opened electronically Company : Victoria Secret A Purchase : The purchase was made on   XXXX   XXXX   XXXX   Bala nce Accumulated : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: I called BMW Financial Services today, XX/XX/XXXX, in regard to payment owed on a totaled vehicle, a XXXX XXXX XXXX XXXX. The rep I spoke with could not discuss account due to a cease and desist on account, he requested I send an email to XXXXXXXXXXXX, which I did today. I did not receive a reply as of yet. The purpose of the call was to see if a settlement amount is available, there was an XXXX % settlement offer made prior, however, I could not accept it at the time as I was waiting for a legal settlement. The attorney handling the case against XXXX, the insurance company who paid off vehicle, called today stating settlement check would be sent soon. He was able to recover amount owed on loan as part of settlement. I called BMWF to accept a settlement amount of what is owed, the rep said to email the address mentioned earlier but did not hear back. Please advise BMWF I will accept settlement offer of XXXX % as previously offered. I will call in to make payment once offer is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Medical debt) with First Federal Credit Control (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I disputed an alleged medical debt with XXXX XXXX XXXX XXXX , XXXX. I was never notified about this debt and they reported this to credit bureaus without properly validating the debt. On XX/XX/XXXX, the company responded saying they would remove the debt from all credit reports due to it's highly disputed nature. As of XX/XX/XXXX, this debt has not been remove from any of the credit reporting agencies and this is still damaging my credit worthiness. I am moving forward with submitting a complaint to my state 's attorney general office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation