milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. Sincerely,

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 09/22/2016 about Debt collection (Medical) with CRA Collections, Inc (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have never signed a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is reporting my SSN incorrectly. When called to get it corrected, they advised that I may fax a copy of my SSN to them to get it corrected. I would prefer to use a method of communication that is A. Available to everyone in the XXXX century, and B Secure. I can not email it via a secure link to anyone, upload it securely or otherwise. All other credit bureaus and the SSN office has it correct, this is an Equifax issue. Equifax is unwilling to assist in getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received two calls in a 24-hour period from an unknown number that left messages with my name, my birthdate, my last four SSN, and my address claiming that my son had committed two counts of fraud and urged me or my son to contact XXXX immediately. They provided a " notice '' number ending in XXXX and referred to him as the " defendant '' They said I was a " substitute service '' or " person of interest. '' The call was very threatening and claimed a " motion had been granted to confirm and validate his whereabouts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Forbearance / Workout plans

Complaint: XXXX/Citibank opened more than 25 years ago I wrote both companies, called both companies. I filed an Unemployment claim back in 2013 at No time did either state. I did not have coverage. Now I am told that the coverage I had expired prior to my claim. Nothing was ever sent to me nor was I told until I tried to get them to pay. Sadly, I purchase something that when I needed it I am told I have nothing. I can not trust this is truthful as the argument previously by XXXX was it as Citi 's place to pay this account off as n insurance claim. Instead it was sold to a Collection Agency when it was an Insurance Claim. I need your assistance to get this paid and resolved.

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 01-02-2016 about Student loan (Non-federal student loan) with Rhode Island Student Loan Authority (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am being charged late fees every month, and i am never late. My loan has been set up to automatically withdraw from my bank account since the beginning. It is impossible to mange this with the lender, because there is a third party that is managing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i have many inquiries on my credit file that i did not authorize. on my transunion report there are reportings from XXXX CARDXXXX XXXX card- XXXX/XXXX/XXXX XXXX card - XXXX/XXXX/XXXX XXXX Auto - XXXX/XXXX/XXXX i contacted XXXX Card and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

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 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have contacted Navient via telephone regarding co-signed loans requesting information to be sent in writing showing the amount of the loan ( s ), distributions, date of all transactions ( payments credits, fees, interest ). I informed Navient that i just started receving notices about the loans in the last few months, nothing prior. Also that one of the loans was fully paid in XXXX 2013. I have also requested information for a release of this co-signed loan and the status of the application.on the second student loan. 
Navient will not provide the requested information in writing and has ignored all my requests. Previously Navient filed false and inaccurate information with credit bureaus which has caused me financial harm. Navient stated they investigated my complaint saying the false statements were accurate even after I sent proof of their false statements to both Navient & CFPB. No further action was taken on my behalf by either Navient or the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2018 received a letter from XXXX XXXX stating I had a debt. I spoke with a agency before saying i have no knowledge of this debt nor is this my legal name. 6 months or so I received another letter from Convergent.I then responded with an affidavit of denial stating this was not my debt nor have i ever had a contractual agreement with them nor XXXX XXXX. Amount 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 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a complaint to XXXX, TransUnion and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Other

Complaint: On XXXX XXXX, 2015 I ordered XXXX diamond rings on XXXX XXXX XXXX # XXXX ) and decided to return them upon receipt ; I obtained a return authorization and XXXX supplied the pre-paid shipping label for the United Stated Postal Service. Next XXXX said the returned package was unsealed and open when they received it and the rings were removed from their individual ring boxes within the single return box. American Express worked with XXXX over the last year while the charge was in and out of dispute repeatedly. 

Last month XXXX suggested I file a claim with USPS and insisted tracking number XXXX was invalid. Again, I attempted to file a claim with the XXXX, but they said XXXX needs to file the claim since they paid for the shipping ; I do not understand why that would not be standard procedure when they receive an opened returned package with missing contents. XXXX did not entertain the USPS statement that the tracking number is correct and the returned package weighed XXXX pound on XXXX XXXX, 2015 when I gave the sealed box to the post-master for the return shipping ; the USPS does not accept unsealed packages for mailing, and XXXX said the package weighed XXXX pounds when they received it. I would greatly appreciate the USPS statement be supplied to XXXX, proving the rings were removed during the return shipping that they provided ; I have no other insurance and this is not eligible for the AMEX purchase protection. 

Thank you very much for your time and support!

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with First National Collection Bureau, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/XXXX from 2008. While I made purchases from XXXX in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My family rented an apartment from XX/XX/XXXX through XX/XX/XXXX. The lease was a 6month lease. During that time I incurred expenses from having to fix/service/clean the HVAC unit after the apartment complex refused. Then about a month later the entire HVAC unit went out, and the apartment was without central heating and air for about two weeks. During that time the apartment became uninhabitable and we were forced to vacate on certain days. The refrigerator also went out, which was the apartments responsibility and we lost a months worth of groceries. My family was forced to break the lease and go find a habitable residence. To make matters worse on top of having to deal with all these maintenance issues, my wife is a XXXX and her meds have to keep cool and the shear heat of the apartment can and did effect her XXXX, which was one of the main reasons we were forced to leave on the extremely hot days. 

I mentioned the above problems and asked for reimbursement on multiple occasions but to no avail. I filed complaints through the apartment complex, their corporate office, the XXXX, XXXX, XXXX, and XXXX. All of which were unable to resolve this issue. I later found out the XXXX could n't do anything because in fact the complex is n't an accredited business. I am now currently fighting this issue with the credit bureaus because the bill was sent to collection and it 's on our credit. The one time I spoke to the collection agency I was told they did n't want to hear my story and I owed the debt, and that if I did n't pay I 'd be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Student loan (Federal student loan servicing) with MOHELA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: TRANSWORLD SYSTEMS, Debt collector continues to call multiple times daily, 3 weeks after debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am issuing a complaint about fraud on my ATM card. I traveled to XXXX X/X/2017 to X/XX/2017. During my stay in XXXX my ATM debit card became missing. I did not realize this until X/XX/17 or X/XX/17. I reported the incident to Bank of America as soon as i discovered the card missing and checked my account and saw erroneous charges. The charges that I am disputing as fraud begin on X/XX/2017 and continue through X/XX/2017. I have charges totaling {$1200.00} plus fees of {$68.00}. I have tried to explain to Bank of America the situation, due to my heavy " XXXX '' accent I seem to not be understood. I am disputing these charges as I did not make them. I have asked Bank of America over and over again to review and have been denied. I feel insulted as the claim has been denied. I will testify as I did not make the charges and have written a letter to Bank Of America stating such as they asked. I do not understand why Bank of America does not believe my statement to be true. I am a person of good morals and believe that this claim has been handle unjust.

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 04/29/2017 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: Old information reappears or never goes away

Complaint: While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why the company feels the  need to delete an d then re-add the debt which in returns causes my credit score to go up and down.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: I have a loan with ocwen. They keep charging mefees and expenses then charge me late fees because I refuse to pay them.   The fees are home inspection which is bogus

Company response to consumer: Closed with explanation