milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 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: Personal information incorrect

Complaint: FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX  XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL 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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi, There are XXXX hard inquiries on my XXXX credit report from Chase Bank. I have not and would not apply for a credit card from this company or any other company, expressly knowing that my credit score is very poor and therefore I would not get approved for a credit card. I feel that this is due to Identity Theft of some sort. There is also an address on XXXX XXXX that I have never lived on. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a reverse mortgage a few years ago. I understood the stipulations to keep the insurance and taxes paid. However, I became very ill, we got into a financial bind and fell behind on the insurance and all this was explained to the bank. The loan started with XXXX XXXX XXXX, then sold to Nations Star Mortgage, then sold to Champion Mortgage. At this time we have obtained proper insurance coverage, worked out a repayment agreement with Champion Mortgage a document signed by both the mortgage company and the home owners. However, the first payment was returned and the house was bought back by the mortgage company stating that they received the agreement and the payment on different dates. We 've obtained legal counsel and have had XXXX court appearances to resolve the matter. Each appearance there has been a different attorney representing Champion Mortgage. This has been our home for 42 years, and XXXX generations, it 's too much history and too many memories to just let go. A 10 day notice was sent via USPS, and then an eviction was filed on another occasion to vacate the premises in 10 days. It is imperative that the public know that Champion Mortgage has done this to elderly couples before, the difference is with us we have others fighting on our behalf to retrieve our from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I settled on 2 loans by XXXX XXXX XXXX XXXX but I am not sure if I own the loan, I do n't have any paper work proving I own the loan and they did not provide any information after I asked many times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows that I owe CBNA ( it looks like this is my Best Buy credit card ) when I paid the FULL balance a few months ago. It shows I owe  XXXX  when the account balance is {$0.00} so I 'm just confused why this is showing up incorrectly.

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 10/20/2017 about Debt collection (Other debt) with Allied International Credit Corp., (US) (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Allied International Credit Corp, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX The letter is a debt collection letter with threats on taking the debt to court if not paid immediately. However the letter does not give any details on what the debt is for. It only states its an XXXX purchase debt. I checked with XXXX and I do not owe any money hence this is a fraudulent letter and fraudulent debt claim. 

I 'm filing a complaint in hopes to help others that may receive a notice like this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX ,  2017  I had fraudulent charges on my   XXXX   XXXX     XXXX   XXXX   XXXX   Credit Card in  XXXX     2017.   The fraudulent charges have since been removed from my account by  XXXX , but a false address and telephone number were also identified in the account. I personally corrected the false information in my credit card account, but noted the false address associated with fraudulent activity now occurs in my Experian credit report. After contacting Experian twice, they finally indicated they would remove the fraudulent  XXXX , Florida address ( I have never lived/worked in Florida  ). However, Experian later emails me Dispute Results ( twice total so far ) and both times the d ispute does not even acknowledge the dispute ( the fraudulent Florida address ), but instead cites deleting a telephone number completely unrelated to the fraudulent activity.  FYI. T he  XXXX  fraud unit is currently still active with my fraud complaint.     I want the fraudulent address removed from my credit reports asap.     Any help would be appreciated.

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 01/27/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: In 2015 I brought a Toyota XXXX Toyota XXXX.They made me buy a new car knowing I ca n't afford it they also told me if I do n't buy a new car a can not get a loan. I 'm am a XXXX and they Also gave me a high interest rate I 've been struggling to pay from day one. I believe they discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient has systematically violated numerous rights and protections afforded to me by law. The following is a list of violations that have gone unchecked and committed with the knowledge and intent to qualify as a crime under most statutes. 15 U.S.C. Subchapter I 6801 ( a ) - The extent of the number of times this law has been violated by Navient ( XXXX XXXX ) encompasses years. The fact that the discussion is not of a singular violation but an egregious disregard for this law over the span of years is unconscionable. 15 U.S.C. 1692c ( b ) By making contact with a party or parties not authorized to have access to my account through letter, phone call, or otherwise 15 U.S.C. 1692d Sending notices addressed to a deceased family member, to my personal address, after being notified of their death 15 U.S.C. 1692f ( 8 ) -  By sending envelopes that specifically state, Important information about your student loan '' which notifies people that a debt is being collected. 15 U.S.C. 1692k ( a ) ( 1 ) - Actual damages sustained are greater than the balance of the loan. Through higher interest rates, inabilities to get credit, or emotional distress causing me to miss work. 15 U.S.C. 1692k ( c ) - Liability can easily be established through the records of years of letters sent to an unauthorized individual based on ( 1. ) a denied loan application, or ( 2. ) an unauthorized phone call held between a representative of Navient ( XXXX XXXX ) and the individual not associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (MD).
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: Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from JH Portfolio Debt Equities which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company continues to try to collect a debt that was canceled by the original creditor and removed from my credit report. The debt is from XXXX but the company continues to report to the credit bureaus that this was a new account open in XXXX. Please have pinnacle provide proof of what they are reporting to the credit reporting agencies. Also I 'm working with officials in the ct consumer protection and ct judicial system to summons pinnacle to court and I 'm am looking for a legal contact number for the company. I was forwarded to a bogus lawyer who sounded like he just woke up and stated he did not work for the company. The company has over several thousand complaints for fraud and non compliance with the federal credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with Student Assist Plus LLC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had loans from XXXX XXXX which were transferred to XXXX. I now have a loan through XXXX I was under the assumption that I was suppose to be paying a third party student assist plus {$30.00} a month, and it is set up on the XXXX of each month. Unaware that I am not suppose to be paying I have been. XXXX informed me that I have no need to pay this third party. So i was submitting this form to see if anything could be done about it, and if any way possible would I receive any of my money back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a bill in the mail for a credit card, which I never applied for, and money was taken from on line businesses, XXXX and XXXX to total {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Debt collection (Non-federal student loan) with SQUARETWO FINANCIAL CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with XXXX. XXXX put the judgement on the real property then sold the debt to XXXX XXXX who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XXXX/XXXX/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bill on credit card has been payed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: Hi I have been paying my mortgage on time for the past approximately 8 years. I am XXXX years of age and on Social Security XXXX for 8Years. I had no problems paying my mortgage up till now. My initial mortgage co. XXXX XXXX XXXX made a Loan Modification in XX/XX/XXXX with The Making Homes Affordable Program which aloud me a modification to be able to make payments. Then in XX/XX/XXXX XXXX transferred my loan to XXXX XXXX XXXX which transferred the loan to Fay Servicing. Since the transfer my mortgage statement has increased {$160.00} I was told due to interest rate increase an escrow shortage. I was still able to pay that on my fixed income. However I received a letter today saying that my property is in a flood zone and " they '' are buying me flood insurance ( which I have to pay back ) also I know is going to put me in a bad financial situation. possibly in a fearful situation where I might falter on the mortgage. My point is that I have not had flood insurance for approx. 10 years. I 'm not even sure why in XX/XX/XXXX when I modified my mortgage I was not told I required flood insurance and I 'm not sure I 'm even in a flood zone as Fay Servicing is saying. Is this legal since my initial application for my loan modification was signed off with no mention of flood insurance. If so are there any options? My hope is that you understand and assist in any way possible to get though this difficult time. Any assistance would be greatly appreciated. 
Many Thanks in advance Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As of XXXX XXXX, 2017, XXXX XXXX XXXX are threating to garnish my income taxes. They claim I owe them {$4300.00}. This company has no proof that I owe them. They are sending falsified court documents that are not legally notarized. I do believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On  XX/XX/XXXX  my forbearance was accepted on the amount {$110000.00}. I did n't know I qualified for income driven repayment plan until I spoke with a financial counselor at University  XXXX   XXXX  due to my unemployment in  XXXX  of  XXXX . She sent me the documents needed and how to upload the documents. I uploaded the documents on  XX/XX/XXXX  and it stated uploaded successfully and would take 10-15 business days. When I did n't hear or never received an email I called in  XXXX . They stated that nothing was uploaded but they seen I submitted on that day. The representative then stated they know there is a problem with uploading and they are working on it. I asked if there was any other way to submit because I wo n't be able to make the payments in  XXXX . She stated just resubmit online. I did and still it states that upload was successful but nothing is there. My payments start back in  XXXX  which the representative kept stating but I explained I 'm currently unemployed and just had a  XXXX  which brings my family size to  XXXX  with just my husbands income. They have n't tried to reach out to me to fix the problem or provide me with alternative to submit the repayment plan. I am extremely frustrated because I thought forbearance was my only option. I will be going into Default in  XXXX . I have been trying to get the repayment plan applied before then but they do n't seem interested in helping me in any way shape or form. Makes me wish I did n't complete my dream of obtaining my  XXXX  's in  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX I opened an account at BMO Harris Bank. The checking account number is XXXX. 

I was enticed to sign up using a promotional bonus of {$200.00}, payable with these terms : " Well automatically apply the {$200.00} bonus promo code when you apply online. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 

I was not excluded by any terms regarding previously being a customer of the bank, etc. 

After making two {$300.00} transfers from my XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX, I satisfied the requirements for the accounts signup bonus. I waited 120 days from the opening of the account as their terms indicated would be required for the bonus to be paid, but nothing happened. 

On XX/XX/XXXX, I contacted them on the live chat feature, and after reviewing my account, they explained : " After reviewing the account, I show you did not meet the direct deposit requirement. You have external transfer deposits into the account. The direct deposit have to be direct deposits of {$300.00} or more. They have to be payroll, pension, or government direct deposits. 

They are insisting on excluding them because they are external transfer deposits. I believe that the deposits do qualify, as XXXX XXXX transfers can be derived from self-managed pensions, but their system does not recognise this. They are refusing to credit my account with the bonus.

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