milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have had a XXXX card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I  became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago XXXX sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from XXXX XXXX XXXX. XXXX, according to Transunion, has decreased my credit score from XXXX to XXXX ( see attached ). I feel XXXX was negligent in offering an XXXX-year-old an unsecured loan.

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 03/30/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on this loan since XX/XX/XXXX. At the rate they apply my payments, it will take about 40 years to pay it off. No matter how much I send in for payment, they apply XXXX % of the payment toward the interest. The payment is about $ XXXX monthly. My minimum pay- ment is {$500.00}. Some months the entire payment is applied to the interest. 
Even if I send in extra payments separate from the regular payment, the extra payment goes toward interest. Even a {$1000.00} payment only got {$100.00} applied to the principal. They take the extra payments and apply I was told the extra payments were applied to " Capitalized interest '' not toward the principal and the due date was just moved forward. so by paying extra, my next due date is currently in XXXX XXXX even though I make monthly payment. This is government financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: XXXX/XXXX/16 I authorized a {$280.00} payment to Citibank/Best Buy. They attempted to take {$3800.00}. I called them on XXXX/XXXX/16 after receiving an email notice of this attempt. Citibank assured me it would not occur but if it did it would take 60 days to resolve. So, I put a stop pay on my XXXX Bank account for safety. Citibank also said that they would only take the {$280.00} payment authorized. Citibank attempted to take the {$3800.00} and marked the account as Paid in Full. I kept logging into the account online to make sure the payment of {$280.00} but the account showed {$0.00} balance. All attempts by me to make the payment were declined as their system showed a {$0.00} balance. On XXXX/XXXX/16, I received an XXXX Credit Report Warning that Citibank had reported my account as past due. NOTE : this is my ONLY late payment ever in my XXXX years of life. I immediately called Citibank, explained the problem again, made the payment. Found out that Citibank could n't make the original {$280.00} payment because it deactivated all access to my XXXX Bank account for payments which was their mistake. I ended up paying {$300.00} from another bank account and was assured that the mistake would be corrected and reporting corrected to credit bureaus. In speaking with XXXX a Citibank Team leader on XXXX/XXXX/16, I was told the correction to my credit report was put through. I called again today, and spoke with XXXX, who told me this was not the case and that it was being reviewed still. I have documentation of all of this from the {$280.00} payment amount to emails from Citibank to bank stop pays to erroneous reports. I filed a written complaint with Citibank/Best Buy as well as all credit bureaus. Citibank has simply made errors, lied about correcting them, and essentially done nothing.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX a collection debt appeared on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They state that I owe XXXX XXXX {$830.00} for a payroll loan. I do not remember receiving anything in writing by the united states post office for this debt. I do n't remember taking this loan. I asked Experian to investigate and they came back and said it is valid and they would n't remove it from my report. I still have not had them send me anything at all in writing.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. EXPERIAN DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME   XXXX   XXXX   CARD AND   XXXX   XXXX   ( OPEN SKY ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is   XXXX   XXXX   1983.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

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 01/23/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted my dispute on XXXX/XXXX/2016, I have not gotten any correspondence. I also checked my dispute status online which says " pending ''. I called to advice it has been well over 30 days on three different occasions. Each time I was not given an answer as to why I was not properly notified. This has significantly slowed down the process of buying a home for my XXXX boys.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. Besides few disputed medical claim items, we had paid the {$320.00} at XXXX ( receive the bill statement at XXXX ) to the XXXX XXXX XXXX which had withdrew the money at XXXX. 
2. The XXXX XXXX XXXX had rushed the bill to the collection agency within two weeks. Earlier XXXX, we had called the XXXX XXXX XXXX to understand the bill statement, but its agent said the bill had been send to collection agency without bothering answer any question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Champion. mortgage, dated XX/XX/XXXX titled mortgage due and payable notice, in total it stated the mortgage was in default due to non-occupancy of property as principle residence, with balance due in 30days from the dated letter. I have lived in my home for almost 45 years. I have had a reverse mortgage since XX/XX/XXXX. This year I have completed and submitted the annual occupancy certification three times. I have never left my home, I am XXXX and do not travel. I received letter dated XX/XX/XXXX from champion mortgage company stating they had denied my request to return the property by completeting a deed in lieu of foreclosure,, which I never requested, or submitted, I have been in almost daily contact with champion mortgage and I do believe they are trying by fraud to take my home. I have a lot more information, please contact me.. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC still has a judgement attached to my credit report that was written off by the creditor in approximately XXXX. I went through the unfortunate era with many others who lost property and/or could not pay debt. The company did a charge-off. The file was purchased by Midland. They bought paper, which does not include any oral or written agreement between them and myself. Furthermore, I did research on the court status of this document. After the documents were served on me years back, I did an answer [ which shows in court records ]. I never received any further court date. When I went to both XXXX and XXXX XXXX, it showed that document never made it to a court room. Therefore, to me and others, it pointed to possible fraud. I am now XXXX years of age and in bad health and need my credit clean to move into XXXX. I have reported this company prior to this. Below are document info : XXXX {$4500.00}. Date filed XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Credit reporting () with National Credit Systems,Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient does not allow me to use their online format to change how much I pay in automatic billing. I have twice called to increase the amount I contribute and while they have done so, they have also increased my minimum payment to match the increase. I have made those increases, with the understanding that I can choose how much I wish to contribute above the minimum, but it is dangerous to my finances if that becomes the new minimum. Navient Account # XXXX Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 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: For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 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: on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

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 04/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, 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 monetary relief
Consumer complaint received 05/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just recently started monitoring my credit when I noticed that  Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these amounts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are address attached to my credit report that do not belong to me. I will like like for you to help me solve this issue.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, XXXX. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation