milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is Stellar Recovery and the original creditor is   XXXX   XXXX  . The amount is {$460.00}. This debt had previously been reported by   XXXX   XXXX   starting in  XX/XX/XXXX . Stellar Recovery is reporting this as a new collection. I contacted Stellar on Monday  XX/XX/XXXX  in order to have them fix this information and they said because they just received this account it is a new collection. I contacted   XXXX   and  XXXX  on  XX/XX/XXXX to have them look into this information and they told me they could not help me. On  XX/XX/XXXX  I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped  XXXX  points for this account and wrong information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Credit card debt) with Admin Recovery, LLC (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: OnXX/XX/XXXX 2017 I received a call from Admin Recovery LLC. During the call the representative was being abusive, threatening, and unfair. I then spoke with the manager at this company on a different call within 5 minutes of ending the call with the first representative, the manager did not verify my identity and a third party was informed of my personal information. The manager was also abusive and called me a liar without getting proper information to see if I was being truthful or not ; which I was being truthful. Admin Recovery is a rude collection agency. The amount owed to the company is around {$2000.00}

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.

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 09-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit determination

Complaint: I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (MN).
Issue: Managing, opening, or closing account

Complaint: I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX rep told me my request was approved that on XXXX XXXX would have no late payments on my report with any of the credit company 's I asked them 2-3 times if he was sure and he assured me

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: All of these inquiries just showed up on my 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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and Experian list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 4 years ago in XX/XX/XXXX i disputed bmw and the bankruptcy as fraud and i sent over a police report confirming the id theft, as of XX/XX/XXXXthey re included the bmw fraud account and the bankrpucty wasnt on there as proof i sent over the credit report they re added in XX/XX/XXXX they 're defrauding me and they re added bwm and there violating my rights under the fcra. they keep readding the accounts after they been confirmed as fraud and deleted which is a violation of the FCRA i spoke to XXXX he refused to give me his name and his id number said to go to hell and go back to where i came from hes also refusing to call XXXX  police to verify the the police 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX 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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX has continually placed inquiries on my credit. I have never applied for service with them. After contacting them, they explained they do not use social security numbers so others with similar information applying may cause the inquiry to hit my report. I have disputed the inquiries with them and they have twice sent letters stating they have sent the request to have them removed from my file. I have also disputed these inquiries multiple times with Equifax. First time in XXXX of XXXX. I received an update in XXXX stating they were still working on it. I disputed again in XXXX of XXXX and never received anything. Again in XXXX and still received nothing. Again in XXXX and then received notice in XXXX the review was complete and found to be accurate. I am not sure how when I have letters from XXXX XXXX stating it was reported in error. I have worked really hard to re establish my credit. I have very good credit so there would be no reason for me to continuously apply for service with this company. Especially not when I have lived at my current residence for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There have been clerical errors made on my student loan accounts for almost the life of the loan. Since XXXX, XXXX XXXX ( now Navient ) has made managing my Federal Student Loan loan very difficult. The difficult started with failed attempts to establish automatic payments. XXXX XXXX did not offer an option to set this up over the phone. I would request a paper form and none would arrive. There were no phone notifications either. I have an email from XXXX of XXXX where I request XXXX XXXX to further develop system to offer what all other financial institutions were already offering ie. auto-pay established over the phone and phone notifications. 

When Navient took over the loan, things continued to be confusing and misrepresented. Interest was Capitalized at random, Forbearance requests were not followed through on, and vague information regarding changes to my loan was provided -specifically that I had been placed on a graduated payment schedule. 

Worst of all, I was told over the phone that my loans were in forbearance ( per my request ) only to learn after months of missed payments ( with no notice ) that the account rep had not put my account into forbearance! When I inquired as to why, I was told that a form had been sent out that needed to be signed in order to complete the request. I never received any form and in fact was told on the phone that the account had been placed into forbearance. The missed payments have all but destroyed my credit. I can not seem to get it fixed. Navient should contact the credit agencies to have this removed as it was not an error on my part. Besides my credit being severely damaged, I lost a discount with Navient. I have been paying via auto draft for the past 22 months and the discount still has not been restored. 

Recently I received notice that my payments due per month have increased by {$200.00}. Apparently I am on a Graduated Plan? I was never notified of this nor did I sign anything agreeing to this. This creates a financial burden that I did not anticipate and I am afraid that payments will continue to graduate at random intervals and increments. I have no schedule of any of this! 

Lastly, I have been paying the same amount for for the past 22 months yet the amount paid towards principal and interest does not follow any sort of linear progression. Specifically, each month, more or less is paid towards principal and interest. Should n't the interest gradually decrease each month? There is no discernible pattern to the way my payments impact the principal. 

Taking a Federal Student Loan for XXXX XXXX has been by far the worst financial decision I have ever made. I took the loans to further my education. In addition to a worthless XXXX XXXX, I received a first hand look at the impossibility of paying off school loans. I wonder if I 'll ever get out of this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: Equifax was asked by myself and XXXX card to remove 5  hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I took the liberty of providing all of the credit reporting agencies a copy of your response letter, settlement letter, and settled in full letter. This information proved that account number XXXX was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. Therefore did not constitute a reason for that account to be included on the credit reports. 

On XXXX XXXX, XXXX I received a letter notarized stating that my vehicle was secured by a personal loan account number XXXX on XXXX/XXXX/XXXX with CitiFinancial and since the account was satisfied CitiFinancial were releasing the lien on the vehicle. 

I never used any vehicle for collateral for the loan that was opened under account number XXXX that was opened in XX/XX/XXXX. I never opened an account with CitiFinancial in XX/XX/XXXX nor do I have a vehicle to use for collateral. Because all of this information is illegal, fictitious, but was also notarized, I would like for you to provide me with the contract for this loan including but not limited to : the vehicle that was used for this loan as collateral and the forms that I signed for this loan on XXXX/XXXX/XXXX. 

After speaking with XXXX in customer service today at XXXX, I was informed that this personal loan, with the vehicle as collateral, was opened in XX/XX/XXXX, this is what 's being reported for the account # XXXX ; but is being reported under a different account number, XXXX with the XXXX credit reporting agencies. 

I would like for CitiFinancial to honor their agreement to delete all information pertaining to account number XXXX and to not be used for the new account number. I would like for CitiFinancial to report the truth, that account XXXX was opened and closed on XXXX XXXX, XXXX. I would also like for CitiFinancial to not create fictitious information to damage my credit and have me to continue to have high interest rates! 

The XXXX and Consumer Financial Protection Bureau will be contacted about these issues. I hope that you will make it a personal interest to resolve these issues immediately. 

I have enclosed credit reports from XXXX and XXXX. I was unable to print XXXX, but the information is the same, and a dispute has been initiated ( Confirmation # XXXX ). I have also enclosed Response Letter for XXXX, Settlement Offer Letter, Satisfied Letter, and Notarized Release of XXXX XXXX and the If you have any questions or concerns, please feel free to contact me at XXXX. 

Thank You XXXX XXXX XXXX XXXX, XXXX XXXX Enclosures

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 10-12-2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, I attempted to co-sign a loan online for a relative so he could purchase a piece of commercial equipment for his business through Sheffield Finance, the financial company affiliated with the dealership in Arizona. We received a denial and a list of reasons that 'could ' have contributed to the denial. The loan representative informed my brother that the company 'policy ' was not to accept co-signers from out-of-state and that we should try a bank, that the interest rate on the loan would be better anyway. 
On XXXX XXXX, we attempted to submit a loan, again with myself as co-signer, through his bank, XXXX XXXX. We both received similar letters informing us of the denial and what reason 'could ' be included. It was then that I learned that out-of-state co-signers may not be allowed under Arizona law. 
My first question is : if out-of-state co-signers are not allowed in Arizona, why is this not stated in some form on the websites? Why do the algorithms allow the applications to go through with addresses in XXXX different states? 
And, most importantly, why did I get hard inquiries on my credit score from both Sheffield Finance and XXXX XXXX? 
I do not have access to Arizona law to do the research myself. 
The loan is no longer needed but I still have the hard inquiries on my record and I would like to know what the reason is that these financial companies are not being transparent about this 'policy ' or 'law '. And, if this is actually the case, I would like to find out if I can get these erroneous hard inquiries off of my credit record.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with N.A.R., Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. 

I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. 

Please Help, XXXX 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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity thief fraudulent accounts on XXXX XXXX Equifax credit rsports Open accounts XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX amount XXXX dollars Date opened XX/XX/XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX To old to be on my credit report Equifax is still reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I first acquired a {$10000.00} loan from XXXX XXXX to attend a local school, at which time I was making payments at 9 % interest, {$80.00} per month, I was unable to find work in that industry as all of the prospective employers stated they would not hire anyone from that school which teaches same style to everyone, like a robot. I was offered deferrment for 5 years ending in XX/XX/XXXX, I took it. I then was offered forebearance there after, I never knew there was a plan for financially challenged individuals. The loan was then moved to XXXX in XX/XX/XXXX at that time interest accrued and compounded to {$30000.00} at the same 9 % interest as originated. I was offered again to place loans in forebearance, at one time during the next couple years I was about to default due to utilizing all of my forebearance allowed, it was explained to me, there was a program in XX/XX/XXXX that can get me out of default if I paid {$90.00} per month for 9 months, according to my gross income of {$2000.00} per month. I made payments for specified period, and my loan was placed back in good standing with credit bureaus. After that I was once again placed in forebearance to pay at that time {$370.00} per month as only resolution to my issue. In XX/XX/XXXX my loan was passed on to Navient, {$42000.00} at that time, as they contacted me I explained that I was only making {$1700.00} per month gross, once again the answer I was given was forbearance. My loan balance is now over {$60000.00}, over {$50000.00} is interest. Ive been in and out of XXXX since the economic downturn in XX/XX/XXXX. I get work when possible but still only make {$1700.00} per month gross, my latest forebearance that Navient just put me on without my knowledge, ends XX/XX/XXXX and payments of {$700.00} per month will resume for a total of 300 months. Im getting back on my feet and my credit is getting better, however, I will not be able to make {$700.00} per month payment and inevitably will go back into default and credit back down the tubes. Im just looking for a payment I can make I dont care if I pay the loan for the rest of my life. I dont know where to go for help, so I look for direction. Thank you for help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They tell me that I had owed a debt from  XXXX  credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse

Company response to consumer: Closed with non-monetary relief