milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.

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 04/16/2018 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: Notification of Identity Theft to Financial Institution and Credit Grantors XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fraud Department : XXXXTRASNUNION RE : XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX has done already.

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity.

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.

The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX

Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile.

Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency.

Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account.

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience.

Sincerely, 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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to    XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,     CA - Ph. no  XXXX  ) for minor filing services  o  n   XXXX   XXXX    2017.  I provided my insurance information and paid the patient share via debit card on same. They still   submitted an application for 'Care Credit ' without my authorization. I disputed the claim through '  XXXX   ' and also contacted the Care Credit 's finance department to have this inquiry removed. I have not received any response from Care Credit department regarding removing the inquiry. As the   XXXX   XXXX   office also over billed me for {$900.00}, I went to their office again  on   XXXX   XXXX    2017 t     o ha ve  the am ounts removed. They acknowledged the error and told me the charges would be removed. To my surprise, they ran another credit check and I received a second alert from  XXXX  that another credit application was applied under my name. I have contact both Care Credit department and   XXXX   XXXX   office multiple times. They always acknowledge the error, since they have absolutely no proof of my authorization, yet they never send me any documents that would help me remove these in quires from my 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 non-monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. <P/>I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX  XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & TransUnion on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( TransUnion tracking : XXXX, XXXX tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on 2 XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

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 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been paying on my student loans for over 5 years now and the interest that keeps getting added is higher and higher. Ever since Navient took over, they have taken more than half in interest and my principal payment is a joke. Until XX/XX/XXXX of last year, I made regular XXXX dollar a month payment on XXXX dollars. I did take 2 XXXX courses at XXXX in XX/XX/XXXX, although the interest that accrues daily is ridiculous. I dropped my payment to a " graduated '' repayment plan which has not made a dent in what I owe. I am almost 6 years into repayment and I am so frustrated. I bought a car in XX/XX/XXXX which required me to lower my payments to make my student loan payment each month ( which I HAVE ALWAYS DONE ON TIME ) and my car payment interest is NOTHING to what I am dealing with as far as Navient in " accrued '' interest. This is absolutely unfair to all borrowers who make their monthly payments on time and still have not been able to cut down even a fraction of what they owe. 5 years???? I should be seeing some results by now and each time I have asked about forgivness, I was told by Navient well now since you have dropped your payment, graduated repayment will not allow for forgiveness when you reach 120 successful payments. There is NO WAY I can continue to throw money AT INTEREST that is going nowhere with my principal, am a single mother and working 2 jobs to keep myself afloat. I have a strong work ethic, and I took out the loans to further my education to be able to support myself and my child and since I have made every payment on time I should be seeing some dent in this debt. Also this summer, I took XXXX college courses from a grant funded program only to notice that I was not seeing any payment reminders from Navient. I calIed and was told that my loans were in deferment and I did not need to make another payment until XX/XX/XXXX! I was never informed of this action by the school or by Navient and feel this is just another way to keep the interest building. I feel as though I am being robbed and I need help. I am sick of hearing that well you can take this option but ... ..the interest will keep accruing. Also, I am offended that those who are faithful in making each and every on time payment are basically being left out of the lawsuit. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Trying to use XXXX XXXX and they are taking too long to send information that 's been requested

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Advertising and marketing

Complaint: My experience applying for a Chase Credit Card. I have excellent credit and was advised to apply for a Chase Credit Card by my bank 's branch manager. I was denied, not for a bad credit score or anything regarding my ability to pay but because I 'm very responsible with credit. I have XXXX credit lines. I feel this is a fraudulent penalization and false advertisement on the part of XXXX XXXX Chase. If I would have known of this rule of having too many opened accounts within a 24 month period I would have never applied and wasted a hard inquiry on this Credit Card Application.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS 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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XXXX   XXXX   DELAWARE did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCP A 807. False or misleading representations [ 15 USC 1962e ] As  they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against Equifax,   XXXX    &  XXXX  for not investigating nor responding to me as well, and taking no action when  BARCLAYS  BANK DELAWARE did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent XXXX disputes to Equifax in the past XXXX days, and they keep sending me stall letters. They have yet to provide me with results, but they do stall and keep asking me for information I have clearly submitted to them several times, and still won't provide results.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Trouble during payment process

Complaint: My husband purchased a 3 bedroom townhouse in XXXX XXXX on XX/XX/XXXX. The loan was with XXXX XXXX XXXX. My husband XXXX on XX/XX/XXXX and willed the house to me. I always paid the mortgage payment online. On XX/XX/XXXX XXXX XXXX XXXX started communicating with that I was in areas. They alleged that my last payment was XX/XX/XXXX. They accelerated the loan one month later on XX/XX/XXXX. I continued to make my payments online and they accepted the payments XX/XX/XXXX; when they sent my account to Carrington Mortgage Services. When Carrington received my account they would not accept any payments ; however not before XXXX XXXX XXXX filed foreclosure on XX/XX/XXXX while my account was current. XXXX XXXX XXXX would n't accept my bank records or my continued calls asking them to research the situation. They just would n't entertain my attempts to show and prove that my payments were current. Recently I spoke to a person at Carrington research department and she wanted to know why I had n't made payments to them. I told her that every time I sent a payment would n't accept it until I pay the past amount due which is in the thousands now. For at least a year now I have sent Carrington all the documents they have ask for. My husbands XXXX certificate, succession papers, complete bank statements, also my bank has sent official document showing electronic payments to and accepted by XXXX XXXX XXXX, a long with amounts paid- last four of  the accounts and electronic tracking numbers. After all the documents that I have sent now they are asking for copies of front and back cancelled check ; which of course I do n't have because the payments were paid electronically. I am XXXX years old and XXXX, I rely on my daughter to help me with actives of daily living. I do n't want to lose my home. I do n't know what lese to do PLEASE HEPL! I 'm on a fixed income and can not afford an attorney.

Company response to consumer: Closed with explanation