milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX accounts on my credit report. I received notification that the investigations were complete but the accounts still remained on my credit reports even though they should have been deleted or updated. In my opinion, There was no investigation done at all. 1. ) The XXXX XXXX ... .account was not updated at all. I have a 60 day late payment back in XXXX XXXX but I never had a late payment. The XXXX XXXX and the XXXX XXXX payment data was fine so how could I have a 60 days late in XXXX? This account was NEVER late. 2. ) XXXX XXXX XXXX XXXX ... should be deleted from my report. I do not owe XXXX any balance. Experian says that they investigated it but it had not been updated since XXXX XXXX. This is a violation of the FCRA. 3. ) XXXX XXXX XXXX XXXX ... This account should be deleted from my report. My account with XXXX had been closed and I do not owe any balance.This is a violation of the FCRA 4. ) XXXX {$140.00} ... This should be deleted from my report. The status had not been updated since XXXX XXXX. This balance was paid years ago and it is such an insignificant amount. It needs to be deleted. This is just harassment!

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 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX Re : XXXX Experian Credit Report I, XXXX had experienced, yesterday ( XX/XX/XXXX ) in an attempt to retrieve my Experian credit report, two questions suggested that I had taken a mortgage loans from one of the four banking institutions and the other question suggest I had taken a car loan for which, I had answered both of those questions as none of these above then I was denied access to my online dispute service provider for answering one or both question ( s ) wrong. I had not taken any financial mortgage, credit cards and [ or ] car loans in the past or present since, my last credit report number XXXX dated XX/XX/XXXX. I had frozen my credit report information therefore, any person should have not been approval for any mortgage, car, or credit card loans against my credit report accounts for which, I have no credit history. 

I would gratefully appreciate your investigation into that matter and please provide me with a free credit report. 









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 07/13/2016 about Debt collection (Payday loan) with Pacific Rim Alliance Corporation (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I filled for bankruptcy in 2012 the company/payday loan company CHECK MATE was notified as of such and a year ago they contacted me about the debt and I told them once again I filed bankruptcy on this loan and they stated sorry wont bother you and then today they had a man XXXX, XXXX XXXX contact and threaten me yet again about a judgement going against me for this payday loan. He clearly stated that it was for CHECKMATE payday loans and I clearly told him I filed bankruptcy 4yrs ago on this 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 06/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Monday XXXX XXXX, I received an email from the chairman ( it was her full name but turned out it was n't her ) of the small non-profit company I just was elected Treasurer to transfer {$2400.00} to another Chase bank account ( ours is a Chase account also ) in another city. The email had her full name and my name and email address. I went to the XXXX, WA bank branch and made the transfer. The woman helping me even commented the routing address the transfer was going to was in a different state than the address on the email. But it went through. Later that evening I was talking to the chairman and she said she did n't send the email. I then called the Chase Fraud line and was told ( after being on hold a few times and passed around to different departments ) that because the transaction was made by me in the bank ( as opposed to being done online ) that they could n't do anything and I would need to call the bank in the morning. I called again later to see if they could at least stop the transaction since they told me it still showed pending and I gave them the whole account number, I was told they could n't do anything with the funds until they had been deposited in the transferred account without contacting the owner of that account. This was the person who was swindling the money! Of course they are not going to refund it!! So I called the bank this morning as soon as they opened and the woman who helped me said she would call her fraud dept. and get back to me. When she called me back she told me they would not cover the funds because I instigated the transaction. ( Even though I tried calling before midnight to try and stop the transaction! ) I have attached the email I received with the account info and name the funds were transferred to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: WELLS FARGO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ADRESS : CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Billing disputes

Complaint: I had a payment due in the amount of {$720.00} by the special terms date of XXXX XXXX, XXXX in order to avoid a deferred interest charge. A payment of {$250.00} was made by XXXX XXXX, XXXX. A second payment in the amount of {$470.00} was made on XXXX XXXX, XXXX and was effective as of XXXX/XXXX/XXXX. I have a confirmation that the second payment went through no later than XXXX XXXX. 
It seems that Wells Fargo did not apply the payment to my account until XXXX XXXX ( causing me to accrue interest charges ). Please note since I made my payments by the appropriate time, I am not subject to this interest charge. 
I have spoken to the folks with Wells Fargo numerous times and was told to always send support. I sent the support a number of times and finally spoke to XXXX around XXXX XXXX, XXXX. I forwarded the support again and she explained that she will review, close the account and remove the past due from my credit report. 
I ran my credit report last week and noticed that this has not been removed. I called the department and spoke with XXXX who explained that this information is not in the file. I sent the documentation again for review to finally resolve the issue. I would love for this to be removed from my credit report as I made my payment in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with MOHELA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was stunned once I ordered my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XXXX XXXX and XXXX XXXX, 120 days due as of XXXX XXXX. 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally.
1. XXXX XXXX XXXX XXXX XXXX, 2017 2. XXXX XXXX XXXX XXXX, 2017 3. Navy FCU XXXX XXXX, 2017 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. 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 04/21/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Settlement process and costs

Complaint: In  XXXX , my decease husband bought a {$160000.00} home with a FHA mortgage.   In  XXXX , we began dating and married in  XXXX . Several months later, he was diagnosed with  XXXX   XXXX   XXXX .   In  XXXX , a month after I purchased my first home, my husband died and left me his home. His lender ; CitiMortgage forced me to sign a " non-quali fying Loan Assumption Agreement '' ;  even though the payments were current to prevent them from accelerating the loan. I was assured that the Agreement would not be reported or recorded to affect my credit.   In  XXXX , I filed Chapter  XXXX  to consolidate my bills and discovered  XXXX  FHA mortgages listed on my credit reports and was forced to include them in my plan.   In  XXXX , the Chapter  XXXX  was voluntarily dismissed due to failure to make payments.   In  XXXX , after CitiMortgage faxed a copy of the Agreement to me that they never executed which makes it null and void. As a result, I was denied loan modifications because " I ca n't have more than one FHA loan at a time. '' In  XXXX , I lost my government job in  XXXX  after 7 years.   In  XXXX , my first home to foreclosed so my sons and I moved into my husband 's home that was used as a rental throughout the years. I applied and was denied loan modifications.   In  XXXX , I was forced to file Chapter  XXXX .   In  XXXX , after my bankruptcy was discharged in  XXXX , I discovered that CitiMortgage has reported to the  XXXX  bureaus that I owned my husband 's mortgage since  XXXX . This was the reason I was denied credit, employment, high insurance premiums and put me at risk for federal fraud as a first-time home-buyer. I filed a Fair Credit Reporting Act complaint with the Illinois Office of the Attorney General and CitiMortgage continued to deny fault by stating they are exempt from signing an agreement for a federally backed loan. My husband 's home was foreclosed in  XXXX  and is scheduled for auction on  XXXX   XXXX ,  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 03-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient consistently misstates the amount due on my student loan, calls constantly including after XXXX XXXX, and sends emails stating my account is past due for days after my payment has been made electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collections on my credit with XXXX XXXX XXXX. We tried to pay it, but they sent us to collections because they said I could not pay with them. Yes we were way behind, hard times at that time, it was either food on the table or car insurance. So I contacted the collection company and they told us that if we paid the debit it would be removed off credit. We settled and it is still on our credit. Its says paid, however it 's still there and they told us if we paid it would be removed! Here we are trying to clean up credit and pay everything off, yet its still on credit! What was the point! 

Can you please contact Credit collections/XXXX and have them take this off all credit reports! We paid it! 

Thank you!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've done everything I can to pay my student debts. I 've joined the military, but the benefits they offer do not extend to private loans. I 've payed off all of my federal loans now, but I still have trouble with the private loans. There are no options with them other than forbearance, which I am currently in.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
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: Hi, On XX/XX/XXXX I found a transactions I did not made them for XXXX XXXX and others I filed a claim with Chase bank credit card The Chase bank wave these transactions on XX/XX/XXXX and everything is good One or more of these transactions was for a company called ( XXXX ) This company sending me emails and mails every day that they will send this invoices to collection company. 

I called Chase bank on XX/XX/XXXX and asked them to help me and contact this company to inform the company that I did not made these transactions and they have to stop sending me XXXX mail and emails. the chase bank customer service answered me that he can not do anything. 

Please help me because I did not made these transactions and I do not want they send these invoices to concoction company and harm my credit score Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: RE : CARE CREDIT CARD, XXXX 2014 I had to have XXXX. dental work and the dentist office signed me up for a Care Credit Card for the {$8600.00}. bill. They said I would have no interest for a year promotion. To date I have paid $ XXXX balance and when I went to check statement, I found out that they accrued 12 months of interest for the entire year XXXXXXXXXXXX at 26.9 %! Putting my balance back up to {$8300.00}.!! I am shocked at this deception and of the {$3000.00}. I pd means nothing now. I read that there was a class action lawsuit about this, I called Care Credit and they were no help. I feel I have been unfairly taken advantage of and have no way to keep paying this dental debt as my pmts have increased as the entire balance back to near original amt! Please advise on how to get reimbursed via class action lawsuit. This was never explained to me, the dental girl said no interest for a year as a promotion special. I need advice quickly please.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this item is listed as " charged off '' and I would like the negative issue removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I purchased on line lottery tickets on Illinois XXXX XXXX Web site using my XXXX XXXX ( XXXX ) credit card for the amount of {$12.00}. To my surprise this transaction lists as a Cash Equivalent ( cash advance ) on the credit card statement and carries {$12.00} fee ( {$10.00} cash equivalent fee + {$2.00} minimum interest charge fee ) that is 100 % of the charge. Ive called the card and they, with some reluctance after calling a manger, reversed the {$12.00} fee. However, they told me that the problem lays on the lottery side. Ive purchased lottery tickets with other credit cards through the Illinois XXXX XXXX Web site before and never experienced being it a cash advance transaction. Therefore, I called the Illinois XXXX XXXX ( XXXX ) and was told that all credit card transactions are processed as a credit card charge and never as anything else ( cash advance etc. ). Ive called back the card but they insisted that the problem is on the lottery side it is hard to believe as the card benefits from these transactions not the lottery while a purchaser is not aware of a change in transaction type and the fees.

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 06/22/2016 about Student loan (Federal student loan servicing) with Progressive Financial Services, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I XXXX in XXXX as a way to pay off my federal student loans, the XXXX apparently did not register XXXX loan. I was unaware of this and only found out this year when my taxes were withheld and my wages garnished. The Department of Education sold my loan to a collection agency, I asked the agency to provide proof that this is in fact my loan, and provide proof that they acquired this loan from the Department of Education as well as the amount that it was for. The collection agency has repeatedly refused to provide this information. I did not want to pay unless I knew that this was a legitimate debt. 
I stated that if they could provide this information, I would pay. Now they have garnished my wages and put my job in jeopardy. Furthermore, I was XXXX for XX/XX/XXXX, got out of the XXXX in XX/XX/XXXX, and started my XXXX XXXX in XX/XX/XXXX. I am not sure on the law, but I believe that I should have been protected during this time. 
Lastly, to reiterate, I only found out about this debt recently. However, I have heard from multiple collection agencies regarding the same alleged debt, how am I supposed to know which is valid and or real. I first heard something of this debt in the past two years, but could get no real information, so I let it go. I only realized that it was real after the aforementioned garnishment.

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