milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reached out to Enhanced Recovery Corporation regarding an account ( # XXXX ) that has information attached and requested validation for the reported debt. This account was reported to all three credit bureaus ; however, it is now solely reported to XXXX. In the attempt of having the company remove this account due to their inability to provide validation of me owing this company, they have constantly sent a bill from XXXX with my name on it which is against the law according to the FDCPA ( 809. Validation of debts [ 15 USC 1692g ] ( c ) ). I have asked for documentation containing my signature stating that I owe Enhanced Recovery Corporation and they are not cooperating. 

Here 's a time line of my communication in the efforts to rectify this matter : XX/XX/XXXX : First letter sent to ERC XX/XX/XXXX - XX/XX/XXXX : Account removed from both XXXX & XXXX report XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Settlement process and costs

Complaint: I am requesting a new home to be replaced by JP Morgan Chase Bank!! My property was XXXX XXXX XXXX, XXXX, New Jersey and I was wrongfully foreclosed upon by Washinton Mutual, JP Morgan Chase Bank! XXXX XXXX is a female veteran who served her country and I am waiting for full restitution and a mortgage free home immediately! I applied to XXXX XXXX XXXX loans and they in bad faith did not give me the second mortgage I needed to keep my home. I am seeking monetray damages for the emotional distress that this placed me under. Washington Mutual failed to modify my loan as well, when I requested a loan modification!

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Knowing that I live in a region with aggressively increasing home values I decided to reach out to my lender to have PMI removed. I can support the increase in value based off a current appraisal on behalf of my current mortgage provider. My taxes also increased by XXXX last year and close to that the previous year. It is not joke that I am seeing appreciation to my home. Plus, we have invested over $ XXXX in of updates and additions last year. I requested the removal from my lender and they sent a letter saying I met the initial requirements, but an appraisal needed to be completed. Knowing that PMI is not required below 80 % I knew anything below 80 % should be my target. In their letter they made no mention of LTV requirements, so it should be assume 80 % will be removal. When I called them it was explained that is completely up to the lender if PMI is removed. I find this to be a predatory practice. This was not outlined in the letter from CitiMortgage. How can i be expected to pay for an appraisal when I am not given the true requirements. 

This is not a fair practice, and reason again as to why mortgage lenders and investors create ambiguity and unfair lending practices. No regulation to this practice treats the end consumer like myself unfairly. 

I am just a tick below 80 %, how and why are they legally denying me?

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 10-08-2017 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: I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both TransUnion and XXXX XXXX XXXX were able to verify this account XXXX accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against TransUnion XXXX XXXX XXXX XXXX. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.

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 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.

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 03-11-2016 about Debt collection (Credit card) with Berman & Rabin, P.A. (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Medical) with The Thomas Agency, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Back in XXXX I moved from XXXX to XXXX. Before the move, I had went to USPS to place a forwarding address to send all mail to my new XXXX address. Well apparently, XXXX bills that I owed never got sent to the XXXX address as it should have. Anyhow, as you can imagine, during the moving process, settling into a new place/home, finding a new job kind of taken my attention away of the XXXX bills I knew I had to pay for when the bill came in the mail. 

About 5 months had passed and I believe a lady in XXXX XXXX called me from The Thomas Agency saying I have some bills to pay on and can do so over the phone right now. I immediately said what bills and explained I have n't received any bills from XXXX since being here in XXXX for 5 months. I told her I wanted those to be sent to me asap so I can review them myself to make sure I actually still owe the correct amounts before making any payments. I also only make payments with a bills statement. This lady was going to go ahead and wanted me to pay on the bills over the phone without even explaining to me what each bill was for. I told her I refuse to pay on anything until I see the bills and the lady hung up on me unprofessionally. I never heard from anybody from the Thomas Agency nor received any of the bills in the mail since. 

I received a new credit card some time back XXXX of XXXX so that led to a credit score report generated and that is when I saw the XXXX bills from the Thomas Agency. I went on their website to contact them but found out I could pay on the bills on their website which I would have done back in XXXX if the option was ever given to me then. Anyhow, so I paid off XXXX of XXXX bills then paid off the last bill on the following next pay check. All payments were made by Auto-Withdrawals from my XXXX account. 

Recently, back on XXXX XXXX, XXXX I purchased a new car lease and that generated another credit score report. I went onto my XXXX account to generate a free credit report for myself and that is when I saw XXXX bill from the list from The Thomas Agency for {$130.00} listed as STATUS : Unknown when it should be STATUS : PAID. I sent them my first email on XXXX/XXXX/XXXX to get a status on this but I have not heard back from anyone there. I sent a follow up Email asking for a response again but added if I did n't hear back from them soon after 2-3 days that I would escalate this issue myself and here we are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX ,  2017    I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my  credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and m y credit score to be i mpacted.

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 02-04-2018 about Debt collection (Other debt) with Williams & Fudge, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I attended XXXX in XX/XX/XXXX and XX/XX/2015. I missed the first chemistry lab for my chemistry course and was dropped from that course, without any notice or mention whatsoever. Once I found out, I attempted to register for another chemistry lab at the student services office, where I was told it would cost an additional {$250.00}. I did not have this additional money available to me at the time, since a refund for the class they choose to drop me from had not yet been given, and I had yet to receive my student loan for that semester. This was on a Friday afternoon and since I could not get another {$250.00} to give them that weekend, they proceeded to drop me from ALL of my courses that semester, which totaled approximately {$3200.00}, which they then decided Id owe to them. Because they dropped me from all of my courses, I obviously could not get the student loan that I was waiting for and intended on paying for my courses with for that semester. I dont know if its worse that I couldnt ever go back to XXXX to pursue the second degree that I was pursuing or the fact that I couldnt pursue the degree I was pursuing and they claim I owe them for them taking me out of my classes. The whole situation is extremely unfair, and frankly, seems like a complete scam to make more money off of students who are simply trying to pursue higher education and dont have a lot of money to do so. If I had voluntarily dropped my courses, I would absolutely take responsibility for whatever monetary value Id owe, but they unfairly dropped me from all of my classes and keep claiming that I owe them. They would have easily made more profit off of me, if Id been able to continue my degree program. On top of all of that, the cost of the courses was just over {$3200.00}, yet this collection claim is now well over {$4300.00}. Correct me if I am wrong, but I dont even think it is legal to choose to add-on to a collection account. With all of that being said, and especially considering the fact that Ive made several attempts to dispute the legitimacy of this collection account, I want this completely vacated from my credit report immediately. Ive fought this long enough and the next step is to make it a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient refuses to work with me. Their website states they 're here to help but has chosen to ignore my request for a deferment and I have been subjected to numerous phone calls and e-mails from them. If I knew that updating my information with them would have this negative consequence I would of never given them my new information. I am having financial difficulties and requested a deferment until XX/XX/XXXX of this year but they have ignored the request and instead I am the recipient of near constant phone calls and e-mails. My loans are now way past due and they refuse to bring them current and grant me a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Transaction issue

Complaint: I received a solicitation from one of my old credit cards, Chase Slate 0 % promotional rate for a year. The usual pitch. Take advantage of low 0 % promotion, transfer balance or large purchases. 
So I bit and once again Chase has bitten me in the XXXX! My first payment is {$610.00} MINIMUM! I have purchased other cards with less balance that I had with this one and the most I have ever payed for a minimum was {$250.00}. Now this is n't the first time this has happened with Chase. They had a class action law suit against them a few years back for the same thing. Before the bottom fell out in 2008 I had a couple of balances with 2.99 % & 4.99 %. I never purchased anything just transferes were put on. well after a few years they upped my minimum from something like {$55.00} up to {$700.00}! I thought i would take a chance with them again because they had gotten sued for that behavior. Surely they would n't do it again. Boy was I wrong How can a credit card company with any conscience tell you to come to them and they will help you with that high balance oh but by the way we 're gon na XXXX on your minimum payment and make it so high you 're gon na find another card to go with and by the way thanks for that {$360.00} balance transfer fee. I 'm telling everyone that will listen NOT TO DO BUSINESS with Chase slate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Byrider Franchising, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient We where on the repayment income base and they failed to inform us that it was time to re apply and in doing so my husband credit was messed up and it took us forever to get help getting back on a repayment program. They even harrased us and called us alot and offered no solution just threats. I never reported all this because I thought they would just get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is reporting a paid collection that was settled with General Revenue Corp in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My Fico score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from XXXX on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact General Revenue about my concern. He also stated that General Revenue responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires XXXX to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info, General Revenue is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Debt collection (Medical) with ESCALLATE, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.

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 12/17/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX ( following filing Chapter XXXX Bankruptcy ), I applied for a Loan Modification under the HAMP Program with my lender, U.S. Bank Home Mortgage. After several months of submitting any and all requested documentation I was denied due to 'documents not being received. ' Because U.S. Bank was virtually non-responsive, despite me reaching out to them on a regular basis, I also refiled the application with the assistance of XXXX. I subsequently filed a complaint with the WA Attorney General 's Office, who received a letter from US Bank, stating that the underwriter had been in error and they reopened my application. Today I learned that my loan modification had been denied again, this time for reasons that are again, erroneous. While I understand that, according to US Bank, there is no guarantee of loan modification, the HAMP program was designed to assist homeowners having difficulty with their mortgage payments, and prevent them from going into foreclosure. I have never been late or missed a mortgage payment. I am on XXXX, am almost XXXX years old, and believe I qualify for the HAMP loan modification program. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation