milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have expressed and disputed these accounts with Experian far too many times. I am a victim of Identity theft. I sent a copy off my Identity theft form to these companies. Experian removed them then reinserted them without my knowledge. If any of these accounts or public records were mine Im sure there was no form signed with my signature giving these creditors " AUTHORIZATION TO SHARE INFORMATION ''. I am a victim of identity theft and I have requested signed contracts with my signature for the accounts that are reporting on my credit stating I signed for these credit cards and have not been sent the information. Experian has not verified these accounts because they are fraudulent. The collection account has not been validated and I am aware of my rights from the FDCPA. I requested information from the Collection agency that was not provided. There is a chapter XXXX bankruptcy that does not belong to me. The courts do not release information over the phone to third parties whom Experian is considered a third party. Several credit cards on my credit are a product of identity theft that were removed and reinserted. This has become a problem and I will be forced to file a lawsuit. This is my final attempt. The " LAW360 CLASS ACTION LAWSUIT '' against experian was a major success and I will not hesitate to get another class action law suit started. The accuracy of Experian disputes are BOGUS that is why the class action lawsuit LAW360 was started from Experian inaccuracy disputes. The accounts on my credit report that are a product of identity theft and have been reinserted are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Chapter XXXX Bankruptcy was taken off and reinserted without no validation from the courts for they do not report to the Credit reporting agencies/third party companies. I will not accept another letter from experian stating " these accounts have been verified '' without the proper documentation to go along with it. I will not write a 100 word statement for my credit report for fraudulent information that WILL be removed! Do not put on my credit report without my consent " CONSUMER DISPUTES ACCOUNT VERIFIED '' under these accounts. These accounts are not allowed to be present while in dispute. It is AGAINST THE LAW!!!! REMOVE THEM IMMEDIATELY!!!!

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 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern ; This is to advise you of the my deceptive betrayal and the law breaking servicer/lender who is foreclosing on my house. I fell behind in my payments after the economic crisis that affected alot of homeowners in this country. My employer was n't doing well cut my hours and was not able to make my mortgage at that time. In XXXX of this year my circumstances improved where I could modify my loan so I contacted the bank and they told me I was eligible because I was not residing in the property but that I could do a short sale. After 2 months of sending them short sale/loss mitigation documents they requested they posted my house for sale. I later filed a bankruptcy and later was dismissed. I have been trying to get the servicer to assist me in my short sale but they are always giving me the run around since XXXX of this year. I filed a short sale loss mitigation application AGAIN with the bank in XXXX 2015 and XXXX XXXX 2015. I ask CFPB to investigate my servicer/lender whom is not only violating the law but acting in bad faith. They are telling me they will consider the short sale but will not stop the sale. That is DUAL TRACKING. They need to stop the sale date and decide on the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My elderly mother received a call from XXXX from a man named XXXX XXXX saying that I was going to be arrested if I did not return the call and the case # was XXXX. I called and reached XXXX XXXX. They said that XXXX XXXX was going to subpoena me regarding that docket number due to an unpaid payday loan XX/XX/XXXX with XXXX XXXX. I told them that I paid all debts regarding XXXX and that I knew this was an unlawful fraudulent call. XX/XX/XXXX another company claimed the same thing so I verified with XXXX that they were n't working with XXXX. XXXX XXXX told me that the debt collection company claiming this that they were working on behalf of was called National Credit Adjustors and to call them at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over XXXX credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

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 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient incorrectly calculated monthly payment during annual recertification. They calculated payment twice as high as it should have been. Then Navient excessively delayed recalculation past due date of monthly payment and demanded late fees as a result of their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Other bank product/service) with BANK OF THE WEST (HI).
Issue: Account opening, closing, or management

Complaint: Twice for the last two years I have gone into Bank of the West at XXXX XXXX XXXX, XXXX XXXX, California XXXX to claim my trust/inheritance and the same bank informed me that such an account does not exist. My account is currently inactive and sits within the above mentioned Bank of the West within its own account under my social security 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 01-09-2017 about Credit card () with U.S. BANCORP (CA).
Issue: Late fee

Complaint: everything I bought was credited to the account I also made a payment they charge me {$4.00} interests on the purchase that was returned {$27.00} late fee when I made my payment the phone Automative geve me the balance as {$46.00} us bank trying to make extra money by charging this fees I called on Monday XX/XX/2017 at XXXX the represenatinve was very rude and XXXX and when I told her I will file a complaint with CFPB she said go right head

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 05-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am disputing this debt collection from   XXXX   XXXX     Secured Credit Card for the following reasons : I was finding it difficult to meet  my financial obligations after I lost my job. I owed  XXXX   XXXX   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have another  XXXX   XXXX  card, Im paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a social worker, I am just trying to clear my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: My XXXX XXXX contract ended. I then decided to keep my mi-fi device on a monthly basis. I paid the last bill and then did not use the service and cancelled the service since my XXXX service now had hotspot. I then received a bill for approximately 2 months of service. I called them and they said I owed it. I said no i do not and I checked my statements and I believed I didnt owe the bill. Since the bill was only {$110.00}. I put a disclosure on the back of the check which they cashed on XXXX XXXX 2015. The disclosure was cashing of this check you agree to remove all derogatory remarks from the credit bureaus. I still do not believe I owed this amount however I paid it to get them to stop calling me. <P/>XXXX submitted the check that I sent in with the disclaimer as an ACH. I specifically wrote a check with a disclaimer on it so that it would not be processed as an " electronic transaction '' in order for me to have a copy of the check front and back with the banks documentation. I have asked for a copy of the check from XXXX and they do not have a copy of the check because of the way XXXX processed the check. When I call XXXX for a copy of the check they said the only way I can get a copy is a court order or subpoena. <P/>XXXX is saying they " wrote the account off ''. This is not true either since I paid XXXX directly for the full amount owed. <P/>I can not upload any documents as proof of this since I do not have the cashed check through the bank. I only have an XXXX Id no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Struggling to pay mortgage

Complaint: My father passed   XXXX   XXXX  . He left me a home as transfer upon death dead. The home was legally recorded in my name   XXXX   XXXX  . The home has mortgage with  Chase mortgage.  I kept mortgage up since my father passed until last year I fell behind because of loan with no escrow to pay property taxes. The property taxes got behind and I was forced to put in payment plan to pay past due taxes and current. I tried to talk to chase to see if I could n't modify loan but all the sudden chase mortgage wo n't talk to me REGARDING my  dad 's  note to house I now own. When i was current they did but now they wo n't. Please help so I can fix this problem. There is equity in home. I could repay if terms were different or buy loan in my name whatever it just do n't make since to foreclose on willing and able heir of home

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband and I closed some credit card accounts after paying them off and after a bankruptcy. Apparently he kept a XXXX XXXX Credit card that I did n't know about and ran it up before he passed away in XXXX 2012. I just now found out that this account is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT).
Issue: Other service problem

Complaint: Lost {$160.00} from the transaction I sent needed it refunded to my fianc he gave me the money for this transfer and the company wo n't refund us

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In XXXX filed for bankruptcy and the lawyer told me that my student loans would be forbearance do to a financial hardship. Never heard anything until XXXX with a wage garnishment that my employer received. The collecting agency charged XXXX of dollars and after 6 months of paying them it was switched to automatic payment with XXXX XXXX and then converted to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-03-2018 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 is missing that should be on the report

Complaint: The four major credit bureaus, XXXX, TransUnion, XXXX, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.

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 11/21/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector has been calling my mobile device without pause. Within 15 minutes there is already a cue of over 20 missed calls on my phone. My phone continues to ring ( adding at least two more calls to the previous number ) since I 've began typing this complaint with no indication of ceasing. The call comes from number, 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 non-monetary relief
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with I.C. System, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please refer to XXXX XXXX XXXX, which I filed on XXXX/XXXX/XXXX. Now some company named I C Systems Incorporated, XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX and telephone number XXXX XXXX XXXX XXXX is claiming that I owe this {$370.00}. They again list XXXX XXXX XXXX XXXX as the original creditor. This information is listed on my latest XXXX credit report and even after I filed a dispute with XXXX I was told that the company is listing this debt as valid. The partial account number for this company is XXXX and the address identification number is XXXX. I would like this mess removed from my credit reports and I want it listed as " G '' claim filed with government.

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 08/28/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with XXXX XXXX XXXX ( XXXX ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from Ace Cash Express for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (VA mortgage) with DHI MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My wife and I purchased a home to be built at XXXX XXXX, XXXX XXXX, FL by XXXX XXXX XXXX. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 days when the new loan can be finalized. Very unprofessional.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.

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 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,

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