milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several occasions I have sent repeated letters requesting that the information on my credit report be removed due to Identity Theft but to no avail.The company has not removed the information from my report. XXXX XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX is on my credit report and they all are from the XXXX Identity Theft account a Student Loan that I did not sign off on or give anyone permission to do so.

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 02/16/2016 about Debt collection (Medical) with LJ Ross Associates (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I had XXXX in Fraud so I closed my XXXX XXXX XXXX Account and they did n't close it and put the new Account in the Robbers name sending the robbers XXXX ATM Cards stole XXXX from me the bank and Judge say its impossible two comprehend. 

XXXX Bank denied me a new Account because i did not have a id card i purchased and opened a XXXX Account With XXXX and XXXX XXXX i ca n't get Verified two get a master card i need two travel. So i sent XXXX XXXX dollars two open new account and copy of ID and they respond already canceled then chat said apply agin then Chat say call them I do n't have a Phone I 'm XXXX. 

At Wells Fargo i always pay my Credit Card with Cash and i walked in and paid XXXX dollars and asked if i had Auto Pay and they said yes and i did not because it showed a closed account. 
I filed a fraud report that the bank teller robed me telling me i had Auto Pay and then Every Time i walk into the Bank a manager has two verify me so Every time i go into Wells Fargo the manager comes and Verify Me. 
Fore 3 months i ca n't get Verified with Pay Pall i have tried many times. 

A bank worker can send themselves all my Money then there lawyers only say its Impossible two Comprehend then almost no other bank will give me a new card

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 01/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Bankruptcy

Complaint: I filed a Ch. XXXX Bankruptcy in XXXX California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid CHASE accounts in full. 

XXXX - CHASE reports XXXX " Derogatory '' accounts. 
The first account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 
The second account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and " Potentially Negative Closed ''. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report " Status : Payment Plan '' and in " Remarks Chapter XXXX ; wage earner plan account ''. This account should also be reported as closed. 

I have disputed the incorrect information XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to CHASE and ECAST Settlement Corporation, the address listed with the Bankruptcy Court. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Management Control, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was hospitalized for a life threatening condition. When I checked into the hospital I provided my VA information and VA card. 

When I checked out 8 days later I again provided my VA card and information. All bills were to be submitted to the VA within 90 days of discharge. XXXX XXXX XXXX failed to do so and instead waited until late XXXX to submit the bill to the VA. As the VA Voucher was closed after 90 days the VA rejected the bill and informed me that, due to XXXX failure to exercise due diligence in their billing practice neither the VA nor I were liable for the bill. I am a XXXX vet ( service connected ) and live on my Social Security. I have no means to pay a bill that should have been submitted properly to receive payment from the VA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Cash advance fee

Complaint: I opened a checking account funded with my Barclays Wyndham credit card for {$10000.00}, and they posted the transaction as a cash advance and charged me a {$500.00} cash advance fee. The charge should NEVER have gone through as my cash advance limit was limited to {$6000.00}. This is a security issue on their part letting transactions go through that are higher than the stated limits on the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to call an harass me after I have told them that there is NO way that this account is mine. I have disputed this account numerous times and I have received absolutely no paperwork or any form of validation, even though they claim to have sent it. This account is not associated with me and this company has continued to annoy me with their voicemails regarding a debt that I supposidely owe and they use annoying machines to leave these messages. I have never even spoken to their agents. they only answered me when I brought my concerns to the CFPB and they are trying to scare me by quoting laws against me to intimidate me but I will not be intimidated. I doubt that Ad Astra follows the law, so I will complain until the federal government does something about their fishy tactics. They have nothing against me, I do not even know what they are calling about and I have repeatidly asked the credit bureaus and AD ASTRA to remove any derogatory marks off of my credit reports. They are damaging my credit and my life and they do not even follow any laws themselves. I have disputed this account since XXXX and I will only bring this matter to the CFPB until this obviously fraudulent account is deleted from all three of my credit reports. DO NOT CALL ME ANYMORE! You have surpassed your requirement to responding in the appropriate amount of time because I disputed this item in XXXX with your company. Why did you only respond on this portal. Also, I would like the CFPB to know that they have discussed the supposed debt that i " owe '' with my parents, who were shocked and hurt by their claims that this will continue to damage me until I pay. What is this company about!? I have placed a fraud alert on my credit report. There were fraudulent accounts opened at XXXX Bank under my name. So if this is another fraudulent account and you keep collecting on it and reporting to my XXXX credit repeorts then I will escalate this

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I HAVE TRIED UNSUCCESSFULLY FOR XXXX YEARS TO GET MY TRANS UNION REPORT ; IT TELLS ME TO COME BACK LATER, THEN SYSTEM SAYS CONGRATULATIONS YOU RECEIVED ALL OF THE REPORTS, BUT I ONLY GOT EXPERIAN & EQUIFAX & CAN NOT GET THE TRANS UNION REPORT. I NEED THE TRANSUNION REPORT TOO.

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 11/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Simultaneously I applied for, and received, XXXX mortgage modification trial packages with the same bank. My first mortgage was {$44000.00} ( balance owed ), XXXX mortgage was a Line of Credit ( {$150000.00} ). I followed the directions for the trial period to the letter for both modifications. I paid on them for 8 months, then to my surprise the bank refused to accept any more money on the first mortgage and then I received a Intent to Acceleratate. The XXXX mortgage ( Line of Credit {$150000.00} ) converted to a permanent modification without further incident. They are now foreclosing and taking my house away after living here for 28 years. No one will tell me what I did wrong. THEY STOPPED ACCEPTING PAYMENTS THEN SUED ME FOR NON-PAYMENT AND ARE TAKING MY HOUSE. How can they do this and why are they doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We fell behind in our payments back in 2014 following a really unreasonable modification. The modification was over {$1300.00} and placed our loan into 40 years. At XXXX years old we will never live to pay this off. A few months after the modification the payment went down to {$1200.00} a month. We fell behind XX/XX/XXXX due to the fact I am having health problems and my medical condition is on going at this time. We also lost about {$400.00} a month in income due to family members moved out of the home, in which they where contributing to the household at the time. We received a notice from the mortgage company Nationstar that we had to have in a payment just over {$2000.00} by a date in the letter in XX/XX/XXXX. We contacted our point of contact person XXXX XXXX and informed her we where having difficulty and that we needed more time. Again we contacted our mortgage company and the man that answered the phone told us we had to have in over {$4000.00}. We informed them we did not have that much but could make a payment and where awaiting our tax return. Within a week the amount went up to over {$7000.00} and they turned the account over to a lawyer for collection and foreclosue precedings. We have attempted since XX/XX/XXXX to make a payment in order to get caught up but they will not take any payment, in order to help us out. Now we can not even get a response from XXXX XXXX at Nationstar or the law office they sent the account to for collection. In the meantime we are just getting further and further behind. We where not looking for another modification just a forbearance to get us time to get our finances back on track. We did get a letter from someone at Nationstar that handles compliants but that only puts the side of the story out that tells how we are behind. How they says they are out to help us and wo n't even return our calls or talk with us. Feeling stressed out due to we have a son with a XXXX and fear we will be out on the streets.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have Ditech auto pay since I had this loan. Habitually EVERY MONTH Ditech either does n't deduct the auto pay, skips a month which would result me being past due, or cancelled my auto pay and reinstated it the next month. I have to babysit my auto pay EVERY month because I have NO faith that Ditech will do this correctly. I have spoken to high level supervisors who tell me this wo n't happen again, and hence it did AGAIN. My payment is due XXXX XXXX, 2016 and they show a debit date which is XXXX/XXXX/16 which would make me not only 30 days late but jeopardize my pristine payment history and also the terms of my modification state I can not be late. I find this deceitful practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Transaction issue

Complaint: After my small business failed the only option I had for a credit card for my new business was a secured card through Capital One. I signed up for this account, deposited {$2800.00} do bring my available credit line to the maximum {$3000.00} limit. My complaint is based on a recent transaction that was declined because I was three days late on my payment. There are plenty of funds on my account to cover this transaction. I have a payment scheduled for this account today three days passed by due date and yet they still decline my transaction. I feel that this is an unjust practice considering that I have available secured funds and that I 'm only three days past my due date - can somebody please tell me if this is an acceptable business practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Affiliated Acceptance Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Affiliated Acceptance is in violation of the Texas Finance Code. Affiliated Acceptance has failed to verify this debt in accordance with 392.202, also they do not have a surety bond on file in the State of Texas which is a violation of section 392.101. They are reporting XXXX accounts on my XXXX report ; I have disputed this with both XXXX and Affiliated Acceptance.

Company response to consumer: Closed
Consumer complaint received 06/13/2016 about Student loan (Federal student loan servicing) with Blitt and Gaines, P.C. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. 

I fell behind in my payments and my loan fell into default. 

After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). 

For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. 

Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. 

When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. 

WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. 
I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. 

The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my credit information and because of their breach I am now listed as a potential victim according to their equifaxsecurity2017.com website.
To save money, the company has not properly placed the security measures necessary to handle the sensitive credit information they hold, and their actions have harmed 137 million people. Their executives were reportedly aware of the breach and chose not to report it to the public, and instead elected to sell a significant amount of their shares outside of 10b5-1 scheduled trading plans just days after the breach. They need to be investigated for insider trading and face prison time.
I am being offered to enroll in their complimentary identity theft protection for one year, however the magnitude of this incident may affect me for many years to come, if not forever. I would like a resolution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with I.C. System, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED 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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been validated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called the Department of Education in early   XXXX   XXXX   explaining that I wanted to settle my debt. I received the letter in on   XXXX   XXXX   XXXX   and called the next day,   XXXX   XXXX   XXXX  . My balance was {$1600.00}. My woman on the phone explained that if I settled for the amount of {$980.00} my debt would be considered paid in full and there would be no negative reporting on my credit reports.  XXXX  weeks later I noticed on the Experian website that the Department of Education had placed  XXXX  Failed To Pay remarks on my report dated   XXXX   XXXX   and my  credit score  dropped  XXXX  points. I called and asked for an explanation. They said I had paid late in  XXXX  so the reporting was correct. I explained that the late payment was made in  XXXX  so should be reported as late in  XXXX . I also explained that I paid the debt in   XXXX   XXXX   XXXX   and received no notification that the account would be " charged off '' and was told explicitly that there would be no negative reporting. I was under the impression that I was supposed to receive correspondence 30 days prior to the reporting, and I received the letter as stated on   XXXX   XXXX   XXXX   I have called repeatedly to get these remarks corrected and every time they said they would send me documentation to dispute the information and have receive nothing in 9 months. I have disputed the information with the credit bureaus but they keep telling me I need to dispute if with the Department Of Education.

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