milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XXXX University previously reported an inaccurate separation date for an {$11000.00} perkin 's loan that is set to be out of the grace period within the next few months. The separation date they assigned was 2 years into the future ( XX/XX/XXXX ). After changing my separation date, they had changed it to XX/XX/XXXX. I was still in school for majority of XX/XX/XXXX, and have on record a graduation date of XX/XX/XXXX. The school as well as ACS Education have not been understanding in this, as assigning a separation date while I am still attending school means that one month of my 9 month grace period is one where I am still enrolled in school. With the amount of the loan, the inaccurate reporting of my separation date ( which I just found out a month ago ) and this assignment of a separation date before I have graduated, seems unethical and not following the standards set by NASFAA. I know I am not the only one experiencing this and I really hope I can find someone to help me through this. A grace period ought to be a period of grace for a student loan borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it 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 04-08-2017 about Prepaid card (Transit card) with Empowerment Ventures, LLC (MA).
Issue: Fraud or scam

Complaint: Rushcard has been holding onto my refer a friend credits for way too long now. I 'll call and they say they 're going to send to cooperate as priority. Nothing yet. I have about {$180.00} worth of credits they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX 2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I attended XXXX XXXX from XXXX. I used XXXX XXXX, which is now Navient, to fund my XXXX years of matriculation. I amassed {$90000.00} in student loan debt. After graduation, I pleaded with them to lower my payments from {$700.00} per month to {$200.00} per month. They said no. At the time I was only making {$1200.00} per month. I felt as stated before that this was predator lending at its best. Then when I reentered XXXX school the loans were deferred due to education, but somehow they became {$150000.00} dollars. When reviewing the statement it was like looking at how is the interest rate so how on one of the loans. Almost like they were/are adding interest everyday. When I asked lower the payments again after the deferment period ended they said they can only lower it to {$670.00} per month. I am attending school again and they refuse to defer it citing that is not in the agreement that I signed. However, when I asked for all promissory notes and agreements that were " signed '' to be sent to me, they refused. Saying that I should have kept a copy for myself or just look at the copies I already have. I feel like I am paying under duress to save my credit score. However, I am unable to leave a life comparable to be happy and free. I understand repayment, but a company can not bleed someone dry when there is no blood to be given. Now they want me to pay a {$1000.00} + this week, but they say call back to see if it can be lower. Yet, I can never be sure if they are going to help me. They are more harmful to my finances than helpful. Why are they so secretive with my account? Why ever month do I receive phone calls about a past due balance, but then they discover they are wrong ( especially when it is directly withdrawn from my account )? This inappropriate, fraudulent, and unprofessional. 
Loan Accounts : XXXX Signature Student XXXX Signature Student XXXX Signature Student XXXX XXXX XXXX Smart Option

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: On XX/XX/XXXX I mailed out disputes to transunion, XXXX and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XX/XX/XXXX was a generic letter telling me to contact the creditor from XXXX, transunion removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.

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 12/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Bankruptcy

Complaint: This account was n't originally mine I was authorized user tried to get off they refused I included this account in my bankruptcy and it was discharged

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX we paid off a mortgage loan with Chase bank. The mortgage loan was secured by property into adjacent counties. Chase bank release the lien in one county,  XXXX, but not in XXXX County. After we received a contract for sale on this property we were informed by the closing attorney that there was an outstanding lien with Chase. I contacted them on XX/XX/XXXX And have made numerous phone calls since then and still can not get them to release the lien in XXXX county. The closing on our sale was yesterday, and it is on indefinite hold until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Credit card) with Fenton & McGarvey Law Firm, P.S.C. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX of 2016, I called Fenton and McGarvey Law Firm, hereafter known as " the company '', and asked for assistance in figuring the final payment amount for my account. The representative told me the payoff amount and provided me instructions for how to pay the account off online as I was not in a position to provide payment information at that moment. Before the contact on XXXX/XXXX/2016, I had a payment arrangement with the company that consisted of a monthly payment of {$64.00}. When speaking to the representative, she confirmed that my monthly payment arrangement would automatically cease when the account was closed out. However, on XXXX XXXX, 2016, a check was sent to my bank for cashing from the company in the amount of {$64.00}. I called the company on XXXX/XXXX/2016 and was told by the representative that I spoke that they were aware of the error but would not return payment until XXXX. When I asked to speak to the supervisor, the representative told me he was unavailable and that it was " my fault '' that payment was taken. She informed me that due to the fact that I paid it off online, they were not able to cancel the monthly arrangement. This was after being on hold and listening to their IVR inform me " For faster service, please pay online '' I told the representative that it was unacceptable for them to place blame on me and demanded to speak to a supervisor. After being place on hold, I was routed to a XXXX XXXX and placed on hold for 10 minutes. When he returned, he said they needed proof that the additional funds had been removed from my account ( after the previous rep confirmed that they knew there was a payment overage and would be resolving it ) I offered to send a copy of the electronic check and the line from my bank statement to resolve the matter before XXXX. It feels incredibly invasive to be asked to provide this information when they were able to confirm an over payment had been made. The company has violated the FDCPA by engaging in unfair collection practices by removing an amount more than what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a company that reported a recent collection on my credit file which I do not have any collections in 2014. I disputed and requested validation and nothing. Re aging an old debt I thought was against the law? Please help

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 03/24/2015 about Payday loan () with Sokaogon Finance, Inc. (FL).
Issue: Charged fees or interest I didn't expect

Complaint: i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stands behind my claim. I was told by a XXXX that works for TransUnion on Friday XXXX, 2016 that although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section XXXX to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my credit report with 209,000 other consumers in a massive data breach. I am now at risk for identity theft or tax fraud, according to equifaxsecurity2017.com, as are many others.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just received a credit report from Equifax. I immediately called them to dispute hard inquiries on my credit report that I had not initiated. I informed them that it must be fraud because I had not initiated the inquiries. They informed me that they were not able to take them off and they do not do investigations on inquires. They basically told me that they would have to stay on my credit report for 2 years. The following inquires are on my credit report and I did not initiate them : XXXX, XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX : : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I ran 2 of my free annual credit reports. One with TransUnion ( TU ), and one with XXXX There were 2 derogatory accounts that came up on my credit reports. I sent electronic disputes to both credit bureau companies, stating these are not my accounts. And that I have a son with the same name. TransUnion 's investigation has come back XX/XX/XXXX, stating one account has been deleted, and the other account, XXXX XXXX came back " verified as accurate ''. This is not my account. It is my son 's account, who has the same name. I have a consumer statement on all 3 credit bureau companies that has been on there for years, since my son became an adult, stating I have a son with the same name and to always verify us by SS #, and Date of Birth ( DOB ), before extending any new credit, or putting any derogatory information on my credit report. Even though this consumer statement has been on my credit reports for years, these same problems continue to happen where I have to dispute accounts that belong to my son, that ends up on my credit report over and over. Usually, the derogatory accounts are removed by the credit bureau companies, once I file a dispute, however TRANSUNION has stated, after their investigation that this one account with XXXX XXXX is " verified as accurate '', and remains on my credit report. This is an error, it is wrong, and not accurate. If TransUnion had requested XXXX XXXX to provide proof of SS # & DOB, as well as a Promissory Note with a signature, they will find that this is not my account. My son did live at my address, off and on until XX/XX/XXXX. Therefore, the facts are we have the same name and have also had the same address only. I have done all I can do, to my knowledge to keep this from continuing to happen, wrong information being put on my credit report. It is very stressful and frustrating, and time consuming. 
I am filing a complaint against BOTH, TransUnion and the collection agency, XXXX XXXX, because, even with the alert on my credit reports, this continues to happen where my son 's derogatory credit is put on my credit report, having a negative impact on my credit and credit scores, and taking up a lot of my time trying to get it removed. Please request that TransUnion thoroughly do an investigation again, and this time, request XXXX XXXX to provide proof to show who the account belongs to such as a Promissory Note with a signature, Date of Birth ( DOB ), AND the Social Security Number. Then, they will find that the true fact, that this account is not my account, and therefore, remove it from my credit report as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector associate ( XXXX Last name unknown ) stated that I was two payments behind on the bill of XXXX dollars and cents unknown. When I called back to ask to file a formal complaint against the gentleman I was informed that I was actually only one payment behind. The associate also used abusive and inappropriate tactics to coerce me into making the payment during the phone call. After continued abusive language and verbally stating I was being made uncomfortable and being treated quite rude and unprofessional I ended the phone call abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago. 
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.

Company response to consumer: Closed
Consumer complaint received 10/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX ( my mortgage servicer at the time ) stating that my loan would be transferred to SLS on XXXX XXXX, 2016 and I would receive information about my new loan number, accounting details and mortgage coupons. On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX a foreclosing attorney dated XXXX/XXXX/2016 stating that SLS was going to foreclose on my home 19 days after the loan was allegedly transferred to XXXX. Which enlisted an amount of {$800000.00} which was a different payoff from the amount due prior to XXXX XXXX XXXX transfer of loan. I want proof that SLS is the current servicer of my loan. I want proof of accounting from SLS and XXXX. I want to know why I was denied the right to pay my loan, offered a loan mod, deed in lieu, or short sale prior to sending the loan into foreclosure as required by law. Especially when your loan was transferred to a new servicer and sent into foreclosure less then 30 days from the alleged transfer. I want XXXX and SLS to cease debt collection practices until they can prove that SLS is the actual and current servicer, accounting details, a mortgage coupon, current pay off and payment options as required by law.

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