milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OnXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from World finance, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything.

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XX/XX/XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX. next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX. on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.

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 01-05-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Settlement process and costs

Complaint: My Home Mortgage was assumed by Wells Fargo ; when Wells Fargo assumed the loan they took my name off the documents. The loan was set up as my parents as co-Mortgagor and I was a co-Mortgagor. Well Fargo change the loan where it was only in my parents name. Not until 2012 was I able to access the loan. I reported this to the XXXX on three different occasions ; I am a co-Mortgagor. I was given different excuse for my name not being listed ; one was their system was only formatted for two names ; and here recently they said how the names were listed on the deed ; and as I explained to theme my name is visible on the deed and I need my name visible on all the documents. I live in the house my parents do not I handle all business regarding the home. One representative told me I need to assume the loan for my name to some on the loan ; I asked her why do I need to assume a loan I am already one. Every person you speak with gives you a different story. I spoke with the executive office they were very condescending ; I was told ; " You want something you ca n't get ; '' and " You ca n't always get what you want. '' I do not know why this representative felt he could speak to me in this manner was it demographics, gender, or bigotry. I have explained on several occasions to different representatives and the executive office if you are paying for something for the past 30 years you want you name to appear on the documents regarding that purchase. They could get my name on the payment coupon ; but when it comes to official matters regarding the house their system could not process all our names on the documents. I Was charged a late fee on XXXX 's Mortgage ; the payment arrived on the XXXX the office was closed a XXXX, and XXXX was the XXXX ; the payment arrived on the XXXX and the payment was not processed until the XXXX. They told me this payment was was late but previously I was told when a payment is due on a weekend the next business day the payment would be processed. This is another example of Wells Fargo saying one thing and doing another.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Calvary spv. I Llc mailed me a court judgment / entry default in the amount of XXXX. 

I do not perfect this and have never received any collection notices nor phone calls. 
I was never served with a complaint.

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

Complaint: They have e been taking mine and my husband 's federal tax check for the past 2 -3 years. I feel that we have paid my loan in full. We have struggled every year, almost lost our home because of them taking our tax money. Never was sent no amount of what was due, or a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in Maryland

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. 

This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I got into a contract dispute with XXXX XXXX. XXXX broke our contract based on XXXX issues. I rightfully terminated our former agreement for non-performance. Thereafter, XXXX tried to use debt collection agencies to enforce early contract termination fees. Debt is defined as a promise of future payment owed for goods and/or services rendered. 

Early termination fees of a contract agreement rightfully discontinue is a contract dispute not debt for services or goods provided. This is a civil matter not a collection matter. There is no court order. XXXX XXXX is trying to use the debt collection process as a means of extortion rather than hiring an attorney and taking the matter to court which is their legal right and where the issue belongs. I believe they are using this method because they understand they have no legal position. 

Thereafter XXXX XXXX hires a collection agency. The collection agency writes me notice I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. Again, I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. This goes on 6 times. I have attached all correspondence and proof of delivery to each. 

It appears in the middle of this process XXXX XXXX increase the amount owed and changes the account number. Finally XXXX XXXX finds a collection agency that sends no notification " Allied Interstate ''. The agency immediately reports I owe {$410.00} ( and some change ) to XXXX XXXX and gives this information to credit rating XXXX and XXXX. I write a letter to Allied Interstate claiming I was never sent a notification and could they please send me a copy. They do not reply. I write back stating to please send the original notification and I further tell them that I will be requesting XXXX and XXXX the remove this from my record and verify any alleged debt. This would remove any plausible deniability on Allied 's part. Both XXXX and XXXX do so. Thereafter I write to Allied demanding they remove this claim from my credit record telling them, what they have done is illegal ( since no notification was sent and I will report them if they do not ). See all correspondence attached and proof of delivery. 

As of date this issue still remains on my credit record.

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 04/23/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (VT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX, 2016, I attempted to resolve an issue with Certegy and their agent or subsidiary Complete Payment Recovery after a billing error at a merchant ( XXXX XXXX resulted in a returned ACH debit. Certegy steadfastly refused to document the dispute or continue the conversation unless I provided my driver 's license number, which the merchant does not have and which was not used in any way in my account relationship with the merchant. There was no question of my having established my identity to Certegy 's call center, since I had verified my name and had received their subsidiary 's notice at the address they had for me. The only reason for them to obtain my driver 's license number would be to attempt to decline checks and humiliate me in a retail store that used their service ; their flimsy " for verification '' excuse for demanding the information reeks of the same " for verification '' excuse used by fraudulent telemarketers phishing for social security and credit card account numbers. 
I offered during our conversation to pay Certegy the full amount of the returned ACH debit, as they had already advanced that amount to the merchant. They refused unless I paid their fee as well, and would not discuss the fact that the fee was caused by their client and not by me - unless I gave them my driver 's license number. 
XXXX would think that in an environment where consumers and organizations alike are vigilant about identity theft, a company like Certegy would make an attempt to resolve disputes without collecting information unrelated to the disputes themselves. In this case, however, it is clear that collecting the money is only a secondary concern for Certegy. Their primary concern seems to be creating a complete biography of this consumer so that that information can used for their profit. 
I have chosen to file this complaint under " credit reporting '' because it is my belief that Certegy is a consumer reporting agency as defined in FCRA. For as long as they claim they do not have to resolve our dispute, I risk having Certegy report inaccurate information to other consumer reporting agencies, which will damage my ability to obtain credit or change employers. Their behavior in this case, if they report the inaccurate information or attempt to humiliate me by declining a check in a retail store, may very well be actionable apart from the instant dispute. 
I have attached the mailed notice from CPR and a copy of my complaint to XXXX which includes some more details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Private student loan debt) with Allied Interstate LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today, XXXX XXXX, 2017, a representative from Allied Interstate shared personal information with my employer at approximately XXXX Pacific Standard Time. This was the second call from Allied Interstate at my work today, the 6th or 7th call from them since I notified them via there website that I was not allowed personal phone calls at my place of employment.

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 01-04-2018 about Debt collection (Other debt) with KelKris Associates Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had a contract for a certain amount of time at XXXX XXXX XXXX-XXXX but due to personal problems I was facing at the time, I asked the employee, XXXX, if she could cancel my contract starting on XX/XX/XXXX. This person who no longer works at the gym assured me that she would cancel my membership without an issue. I asked her for documentation to back that statement up -she declined stating that would not be necessary. She never again contacted me to say that my account had not been cancelled ; I took her at her word as an authority in that establishment. On XX/XX/XXXX, I emailed XXXX XXXX XXXX regarding a Letter of Delinquency I received that week of XX/XX/XXXX which called for payment of {$600.00} for the dates XX/XX/XXXX-XX/XX/XXXX which XXXX had said she would cancel a year before. I explained the situation thoroughly and requested to be pardoned for the fees due to previous lack of disclosure on their part ; I did not expect to be billed for something a year later due to XXXX 's false reassurances. XXXX, the employee I emailed, did not respond to my last email which I ended by saying, " I realize that you had nothing to do with her mistake of saying one thing and not doing it ; however, I 'd like to request an exception from your usual policies if you 'd please consider nulling my dues. With respect to your establishment, I 've had an extremely unfavorable experience with inconsistencies at the inactions of previous employees. '' on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: FROM XXXX XXXX > XXXX : 2 HARD CREDIT CHECKS I DID NOT AUTHORIZE FORM BANKS I DONT USE! 

XXXX XXXX/XXXX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 06/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no idea where this debt has come from. I have never opened an account with XXXX Anyone Can use your name to open an account if they have colllected your personal information. I feel asif someone maybe a family member or friend took my personal information for their own benefit and opened a cellphone Account. They obviously did n't finish paying because let 's be honest, it wo n't fall back on them. I 'm Only XXXX years old, just starting off my credit score.. And my life as well, I need this fixed. 

Thank you sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: JPMorgan has withdrawn money from my money market account without my knowledge or permission and has created a deficit or negative balance in it as a result. Simultaneously, it cancelled a recurring, prescheduled bill payment from my checking account to a student loan servicer, XXXX, without my knowledge or permission. Furthermore, again without my knowledge or consent, it completely eliminated XXXX as a payee I set up so that there is absolutely no trace of it or easy access to all payments that were made to it for several years. The last electronic payment made to XXXX from my JP Morgan checking account occurred on XXXX XXXX 2015, transaction # XXXX. This kind of raiding of my account, causing deficits in my account, cancelling scheduled payments and causing me to fall behind on a student loan payment, apparently, in collusion with XXXX, is an outrage that JPMorgan should be seriously sanctioned for and prohibited from ever repeating. Why are they allowed to arbitrarily take money from XXXX of my accounts, cause negative balances in the process of doing so, cancel legitimate bill payments that have been in place for years and collude with a student loan servicer so that my regularly scheduled payment is not made?

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Our new loan accepted the first payment for XXXX XXXX but locked out the XXXX XXXX payment. It did not clear year. Found out late XXXX that Homebridge Financial froze old loan and wants a payoff through extra doubled up of prepaid interest due for XXXX XXXX XXXX. The new loan already that I signed XXXX XXXX XXXX XXXX with the payoff upped the loan amount as well as the old pay off had the interest figured in. Nobody can tell me why and have the figures laid out of why. My closing costs on old loan XXXX to reestablish escrows. They want another XXXX to fix their problem but not addressing why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Other

Complaint: I continue to have issues with Macy 's - I receive letters and emails regarding suspicious activity on my accounts. I call the number provided but staff can not provide any details. I have asked to have the accounts closed but do not think that has happened. Not certain how to resolve this issue. I do not want to be nor should I be responsible for suspicious activity due to Macy 's inability to close the accounts and take the appropriate steps to secure information.

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 01/17/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away 18 months ago. I applied for hardship on the mortgage due to a drop in income ( it was approved by PNC ). My payment is due on the XXXX. I pay it on the XXXX, in person because that 's when Social Security comes in. I get call from their collectors on the XXXX, XXXX or XXXX saying I 'm late and that they will foreclose on me. It 's always paid by the XXXX and never in a default stage. I 'm XXXX and I think this is harassment. 
They even call on the XXXX after I made the payment on the XXXX. They do n't check!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have multiple times have set up a dispute for items on my credit report with XXXX and Transunion regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1. XXXX XXXX  {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On XXXX  & Transunion XXXX XXXX XXXX for {$2800.00} 4.  XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.

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