milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

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 09/13/2016 about Consumer Loan (Installment loan) with Financial Credit Service, Inc. (SC).
Issue: Taking out the loan or lease

Complaint: ARA Inc contacted me regarding a XXXX XXXX XXXX personal line of credit Acct. I did not own. They stressed to me If I dont make arrangements today They would place it on my credit report. It was stated to me the last XXXX ssn digits were mine and the bank is always accurate. I felt some uncertainty about it and I never dealt with XXXX XXXX XXXX. She stated they bought the acct from a previous owner.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized :  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Erroneous item CHASE # XXXX ( or Chase Mortgage XXXX. ) reported by Chase to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Chase has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Chase has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I risk being in default of my private student loan with Navient and they will not adjust the payment to relieve me of undue hardship. My current interest only private student loan repayment loan has expired and I can not pay the new monthly amount that Navient requests. I have no more discretionary income to pay them. I have reported to Navient that I will default if they do not adjust the payment terms. Navient 's solution was to adjust the interest rate which still leaves me with a monthly payment that exceeds my monthly descretionary income amount. On XXXX/XXXX/16 account manager at Navient, XXXX, reported to me that she did n't care if I default because it is my loan. On a previous call with XXXX, she told me the account manager would help me refinance the loan with another provider, but XXXX refused to assist me with that option and said it had nothing to do with their company. Hopefully, the CFPB can help me adjust the terms of the loan with a reduced rate that does not cause undue economic hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Other financial service (Traveler’s/Cashier’s checks) with JPMORGAN CHASE & CO. (NY).
Issue: Lost or stolen check

Complaint: Hi, the reason I am asking for help is because : every month I buy a chase cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to chase bank to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a XXXX XXXX XXXX ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at chase bank but cashed in XXXX XXXX bank. I was given a period of 120 days for resolution and during these 120 days I have been calling chase twice a week with no update except for chase saying that they have emailed XXXX XXXX 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' XXXX XXXX into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed in the first place and how little Chase is doing to try to recover the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Convergent Outsourcing , Inc. stating that I owe {$100.00} to XXXX. I explained that I do n't have a XXXX account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My agency recently conducted a background investigation on me that included a criminal and credit check. The credit report revealed a collections item from XXXX XXXX that is over 20 years old ( XXXX ) The debt was settled and closed several years ago. When I purchased my home XX/XX/XXXX, this debt resurfaced. I disputed the debt and had it removed from my report then. Now, nearly 10 years later, this issue is resurfacing. I work for a financial regulatory agency and fiscal responsibility is a condition of employment. TransUnion is the only Bureau that shows this item in collections. The fact that XXXX XXXX is allowed to report on an account that has been closed over 20 years AND TransUnion accepts this report is egregious. XXXX XXXX continues this post mortem debt reporting because they have not been held accountable. My employer is threatening removal if this is not resolved in 30 days. I need to get this matter resolved expeditiously and some level of assurance that XXXX can not continue these predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Experian that the account listed as XXXX has never been paid late, I have even submitted a letter from XXXX to express that and they still continue to report late payments on this account.

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 03-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I closed out my CD with XXXX XXXX on XXXX/XXXX/2016 and received a Cashiers check for {$100000.00} on XXXX/XXXX/2016. 
I deposited this check on XXXX/XXXX/2016 in the ATM machine of m my local ( XXXX XXXX ) Wells Fargo Bank. Wells Fargo has placed a hold on this check until XXXX/XXXX/2016 with the excuse that the account was not found. The account no. 
is clearly printed on the check and XXXX XXXX assure me that the funds have been transferred to Wells Fargo. 
Wells Fargo refuses to lift the hold and states that it will attempt to locate the account again on XXXX/XXXX/2016 and will return the check to me if they fail. Is there any way to resolve this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with AES/PHEAA (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This Corporation has shared my information with Credit reporting Agencies. This is considered IDENTITY THEFT Pursuant to 16CFR 603.2. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed my credit report and discovered that XXXX pulled my credit. I never authorized this fraudulent inquiry. I demanded XXXX and equifax investigate this remove it from credit report. However neither has done anything to assist me. I am attaching certified letters i mailed out to both advising them the information provided was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a previous complaint about our mortgage company, Ditech. We thought it had come to a conclusion and was thought to be completely resolved until I just pulled my credit report and Ditech has reported us 'late ' and affected our credit, which they said they would NOT DO. Here is the original complaint : Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GLA Collection Company, Inc. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is an account from XXXX where my grandson was attending school in Mass. The housing set the students up with housing that is near impossible for a student to attend school and work a job that would earn enough to pay a {$700.00} per month rent. His rent was paid up to the time he felt he could not continue classes due to the fact he could not afford the rent. Eviction was threatened and he decided to leave school so he would not continue to run up a debt for his rent. However the housing has charged him, for a broken lease while they immediately rented to another student. Since I was the co-signer the debt now comes to me. I feel this is very unfair and possibly illegal if the housing filled the vacancy and is receiving rent while collecting from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have never Had a contract with them and I explained that i do not owe  Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: To whom it may concern, I have been a member of Paypal for years without any interruptions or obstruction towards my account. Well, recently opened up a business account on Paypal that specialized in web services. To which, very recently, Paypal had limited my account and asked that I provide documents to prove my identity and such. I followed their instruction to the letter, and yet they decided to close my account. The worst part is that they are trying to withhold my funds from me within the account ( funds that would put me back financially ). I have asked politely asked them to release the funds to me, and I will take my business elsewhere, but they have not responded to said matter. They completely circumnavigated my letter. Again, it is alright that I am to part ways to Paypal, but I disagree with their notion of trying to push me around by holding my funds and ignoring my letters. I simply wish for my funds to be released. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WV).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Synchrony Bank claims a debt was settled but I gave no authorization for them to settle school debt. I have an Amazon card with them and have paid it every month. I made a payment on the account in the amount of {$150.00}. When attempted to pay off the full balance this month, they tell me the debt was settled for less than half of what I owe. the account wasallegedly settled foraround {$330.00}. The entire outstanding balance was a little more than {$800.00}. I did NOT give authorization for a settlement. I want to pay the full balance and have my credit reflected as paid in full with a positive report to the CRAs.

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 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It shows that I had one late payment for XX/XX/2014 which I was never late. 
And I always have made a good payment with all the creditors so please review the information and remove the late payment from my credit report. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation