milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account 4 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately. ACC # 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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This collections that are appearing on my account are invalid. I sent the previous collection company that held these accounts a debt verification letter on XXXX XXXX, 2017. The previous company was unable to valid the debt and they deleted these accounts from my credit report. Recently, these accounts have reappeared on my credit report under a new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: denied credit and mortgage based on retaliation and record falsifications bureaus and XXXX condones and or allows to be used to stop loans and credit legitimately this arises from prior complaint made to u and XXXX prior fabricated false claims by bureau. this further arises from fabricated judgments and public records done so deliberately by the officials with aid of banks and others corruptly. this further arises from the va and XXXX refusing to make accurate records of the XXXX XXXX in XXXX military retirement owed me the va should of paid and refuses to request XXXX to do an audit to verify ( debt ratio ) the XXXX did grant a loan application after last complaint here, but manufactured reasons to not close timely and drop mortgage and now claim i not eligible for same based on bad creit from falsified credit report fixed XXXX as a result of their wrong doing. said report falsified by falsifying some of first report falsification and based on this falsification of judgement records that are no valid on face and by statute as well as others fabricated by state agents to harm me after threats and without any authority and or due process of law. ( see XXXX title ) also see XXXX records since last time complaint filed and XXXX droped of and now more should be as bogas scams by bureaus and related indirectly to prior scams by themXXXX judgement not valid as matter of law per statute no collectable after case time done. other a judge signed i owed county money they paid lawyer to fix records for county on crimes that could not be charged by state or county while they denied me access to act as counsel personally a fruad scam all subject to federal civilrights suit obstructed by corrupt officials threats to harm XXXX denied loan by fraud and refused to correct name to do so after usa had and all else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a {$500.00} payday loan from Cash Central on XX/XX/XXXX. I faxed and emailed a Notice of Cancellation on XX/XX/XXXX that I was rescinding the loan. I also called Cash Central on XX/XX/XXXX and spoke with XXXX or XXXX at XXXX to confirm I was cancelling/rescinding the payday loan and written documentation had been sent. Cash Central contacted me back on XX/XX/XXXX that ACH transactions had been disabled on my account effective XX/XX/XXXX and I needed to return the {$500.00} by certified check or XXXX XXXX. I purchased a certified cashier 's check from my bank on XX/XX/XXXX and returned the funds to Cash Central by overnight certified mail. The cashier 's check was cashed by Cash Central on XX/XX/XXXX. I contacted Cash Central by email and telephone to confirm receipt of the funds and no additional penalties or interest would be deducted from my account since the ACH function was disabled on my account. I was assured by XXXX a service manager that no additional fees were due and nothing would be deducted from my bank account. On XX/XX/XXXX Cash Central deducted {$140.00} from my bank account without my knowledge or authorization. I do n't owe them those funds! I want the funds returned to me 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 10-09-2017 about Debt collection (Other debt) with Wilber and Associates, P.C. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I rented a car in XXXX XXXX from XXXX. I had an accident at that time and was covered by XXXX 's car insurance. XXXX paid the claim and XXXX signed a release for all damage claims and related charges to this accident. The number XXXX and XXXX agreed to was {$9700.00}. 

In XXXX XXXX i receive a phone call from Wilber & Associates telling me that I owe around {$1500.00} for this accident. I tried to explain to them that this ca n't be because XXXX signed a release form. One agent at Wilber threatened to get my driver 's license suspended. In any event, they tried to finagle a deal with me if I paid at the very moment. I refused and tried to reach XXXX. 

I ca n't reach XXXX ' claim department to find out what this is all about. I consulted with a lawyer ( friend ) who read the release letter and it is very clear that I am completely released from all future claims. 

I 've sent Wilber & Associates a letter clearly explaining this and sent them a copy of the release letter. I also sent this to XXXX. 

I believe Wilber is targeting people like me to try to get us to pay them for invalid claims. I believe they are committing something close to illegal. 

Thanks

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 06/13/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (AL).
Issue: Trouble during payment process

Complaint: My problem is with  Loan LLC . In  XX/XX/XXXX I paid two mortgage payments to  LoanCare s o that I can get advance my payments. In   XX/XX/XXXX   I pai d two  payments also ; I did n't know early payments was n't allow. I checked my payment histo ry one day to learn that the two  payments were returned to my account only they never put into my account. The payments were both {$620.00}. I talked to  LoanCare  about the money, and emailed them    XX/XX/XXXX  They told me to give t hem 5  business days. They said if I wrote about the same problem it will slow them down. It has been about 45 days now and I have not heard nothing about my money. If I had my money I could go on and pay the  one month I 'm behind. These people have made my credit  bad by reporting me for late payments and not paying on time. My payments were due in the  XXXX  and I was paying on the  XXXX . I was paying by money order when I first started paying and the  XXXX  money order was never cashed. I deposited that money order in  XXXX . They are the worst company to work with. My credit should never have been an issue, it was the company that had my money ; by right I 'm still a month ahead but they have harasse d about being two months behind ; although I 'm just one. They have sent me foreclosure letters. I have tried to apply   for Loan Modification and still nothing happened.

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 05/31/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received several calls in regards to an account I co signed on for a friend that was ultimately charged off after non payment. I was told that the people calling were with a law firm but would not state where from. I did not receive names either. I was only told to get ahold of Chrysler capital and begin to make payments or legal action would be taken against me and I was assured I would go to prison, I was told I would serve " a dollar for every day '' I owed. I dug deeper and I came to find out that my account has not been sent to a collection agency. So who else other than Chrysler Capitol would be calling me saying these things? Who else has a motive? I am in XXXX and am very sick and living off social security wages and am barely making ends meet. I have received roughly XXXX or XXXX calls in this manner. It is too much too handle.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX BILLED XXXX FOR AN XXXX FROM OVER 3 YEARS AGO AND IT WAS PAID THEN A YEAR LATER THEY SENT ME A BILL FOR THE SERVICE SAYING THAT XXXX PAID IT BUT TOOK IT BACK AND NOW IM RESPOSIBLE, I CONTACTED XXXX AND THEY SAID THAT XXXX CODED THE SERVICE WRONG AND IT NEEDED TO BE CORRECTLY CODED AND RESUBMITTED. I CONTACTED XXXX ABOUT THE ERROR WAS TOLD IT WOULD BE TAKEN CARE OF AND NOW THEY ARE TRYING TO CONTACT ME FOR PAYMENT AGAIN.

Company response to consumer: Closed
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my Equifax credit report, the current/previous addresses listed include XXXX XXXX XXXX, XXXX PA. However, I have never lived at this address. This individual is related to me, but he is not me *and* I 've never lived at this address. I would like to have the erroneous address removed from my report so that I do n't ever end up with incorrect information associated with my credit report. 

I request that XXXX XXXX XXXX XXXX PA be removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have not been able to obtain accurate account information from Navient over the past 2+ months. The problem started when I noticed that the Navient website contains account information that has an " Estimated Payment Schedule '' which lists the loan start and end payment date, and the " Total Amount to be Repaid ''. On my loan - the website states that my " Total Amount to be Repaid '' is {$55000.00}. The problem is - I have paid to date {$63000.00} - which is almost $ XXXX more than they are stating I will have to pay over the life of the loan. So either there is a mistake on my account - and my account balance should be XXXX - or the numbers on their website are grossly incorrect. Note that the total I have paid to date is calculated from the Navient website with their information - and I have confirmed this is what I have paid. 

I have both emailed and called Navient to inquire what is included in the " Total Amount to be Repaid '' and have been consistently told that this includes " payment, interest and fees '' - both in writing, and on the phone. I have also asked them to verify my " Total Amount to be Repaid '' ( {$55000.00} ) is the correct number and they have confirmed ( multiple times! ) that it is. And yet, I have paid more than that - and my account still shows that I owe XXXX {$12000.00} - so there is something very clearly wrong. This has led to a lot of stress and work on my end. It is also *exceptionally* concerning that a lender who is responsible for millions ( maybe billions ) of dollars in loans - ca n't provide timely and accurate account information. Are they willfully misleading consumers - or can they not do math? Or have I overpaid on my loan? Do I have to keep paying? Someone please help! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (FL).
Issue: Fraud or scam

Complaint: contacted citi bank about a email i got on XXXX XXXX email from XXXX and citi bank .Stating I HAVE FUNDS Aa over due payment USD XXXX CITIBANK. I SHOULD CONTACT Citibank contact CITIBANK XXXX XXXX sq. XXXX, Kentucky XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX web site www.citibank. com wanting my info end of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., dc XXXX XXXX, XXXX I called Citi bank number asked for fraud dept. They put me thru to a foreign country, they asked me for my dept card number they did not understand me. i ask to be transferred to a XXXX XXXX. Real bad could help me they me another number for fraud. This was the XXXX .THEY TOOK MY INFO .REF NUMBER XXXX XXXX said i should let you know. ps DOES ANYBODY CARE XXXX XXXX XXXX thanks

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 12/22/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Other transaction issues

Complaint: I submitted a Chase XXXX transaction to an individual. Unfortunately for some reason Chase routed the payment to the incorrect account that was not in the recipients name to XXXX, even though they had a Chase account and the associated phone number is with Chase. The payment was transmitted by Chase and accepted by XXXX. XXXX had that number associated with the wrong individual and accepted the remittance even though it was not in that person 's name and was not associated with the account. Chase is saying this is a " self-service '' tool. That is not a valid response ... a check is a self service tool. For example, if my XXXX was on check ( Aperio strategy ) but my LLC that is attached to XXXX Results, was not, Chase would and should refuse to cash that check. Even though the account numbers were correct and matched, the name did n't. The same happened here and the transaction should have been refused. I 've already contacted Chase and the recipient has contacted BofA and each are blaming the other ... to make matters worse, Chase is claiming 'because it 's a self-service tool they have no responsibility. As a courtesy they will try to recover the funds. '' They have not to date and i 'm contacting you, because i 'm sure i 'm not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I relocated to XXXX from XXXX in XXXX 2015. Shortly after moving I transferred my insurance and registration to the state XXXX as required however I was not instructed to return my old tags to the State XXXX and they continued to send letters of insurance cancellation to me however I sent the documents there was never a lapse in coverage but come to find out it was because of transferred my registration XXXX and did n't return my tags to the state XXXX. Now they are requesting {$650.00} for the tags that were never returned and now they are threating suit / garnishments / etc for the unpaid balance however I feel that this is predatory in more than XXXX way. Can you please research this issue and see if there is anything that can be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: Finally a credit dispute with chase bank amazon credit card is now done thanks to " cfpb ''. They have reversed all late charges and credited all fees etc. Their mistake now has dropped my credit score from excellent to good and has cost me an additional {$120.00} on my homeowners insurance policy renewal. This is ridiculous all over their initial mistake. Chase vowed to repair my credit score and withdraw the late payment " dings '' on my credit score, but again their shady business practices have left my perfect credit score ruined. These fraudulent business practices by chase XXXX of the largest banks in the country are getting old and they need to be held accountable. I demand my credit score be prepared and also demand proof that it has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by Equifax that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX.

Company response to consumer: Closed with explanation