milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Payday loan () with QC HOLDINGS INC (IL).
Issue: Applied for loan/did not receive money

Complaint: I was recently contacted by someone claiming to be a debt collector stating I took out a payday loan with a company called QUIK CASH in XXXX 2015. I told them I paid off my loan in XXXX 2015 and do not have a loan with them. They read my information I had on my previous QUIK CASH account and I told them to delete my information. The number is which has contacted me is XXXX, leaving a message stating she is looking for me to serve me a court date about this debt unless I call the company she works for to pay it. I called XXXX ( the number she left ) and that 's how I figured out this is a scam.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion does not have an address on my credit file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX File Number # XXXX Date Issued XX/XX/XXXX The address is showing XX/XX/XXXX the address does not show on the report sent out on XX/XX/XXXX Credit report under Address Reported

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 09-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report claims I opened a " Authorized Revolving Account on a FLEXIBLE SPENDING CREDIT CARD '' from XXXX XXXX XX/XX/XXXX and that {$25000.00} was spent on it between XX/XX/XXXX-XX/XX/XXXX which I had never put in for nor even heard of until I seen it on my report today. I do n't have a clue as to who opened this account nor where it got sent too, used at, etc. and would like a full report on this ASAP

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 10/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Other

Complaint: This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (FL).
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 debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a   XXXX   balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX I was contacted by my mortgage company regarding the XXXX payment. I informed the agent that I pay by the end of each month and it was agreed upon to do a post dated XXXX XXXX phone pay for XXXX, there was also a {$19.00} fee. I was at home when I was doing this transaction. the agent told me he would send me a confirmation e-mail. when I returned to work the next day and reviewed my e-mail it indicated that I gave permission to debit on the XXXX of XXXX and I did not. The agent that I did not get paid until the end of the month.I called the mortgage company and they indicated the payment posted and I should be fine. a few days later I still show a balance in my checking and I called my mortgage company and was told that the check was returned. I will now have a delinquent credit report for XXXX and possibly a property inspection and a threat of foreclosure. I am quite upset as would anyone. I take my mortgage very seriously. I want {$19.00} fee back and I want my credit corrected ASAP or I will take legal actions. I knew this would happen because there seem to be a language barrier between I and the agent. I also want the recorded call pull for verification of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Managing the loan or lease

Complaint: There has been multiple issues within this same situation. 

1 ) The vehicle description did not meet the actual product ( carfax information was different that what was sold to consumer *AA ) -- -this was with an affiliated company2 ) Payments have been processed several time on the wrong dates. XXXXXXXX3 ) Payments have been processed with other methods which were not authorized. XXXXXXXX4 ) Contact with representatives has been rude and forceful.

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 07-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, I 'm typing this email because I need your help, Chase has placed me under a short sale since last yea r (   XXXX    XXXX   ). a buyer made an offer and after several months waiting for an approval Buyer decided to move on.  <P/> So at that point we reach out to a back offer that was made and we submitted all documents. Chase told me that my application for a short sale will be reviewed with the new buyers offer.  <P/> After 7 months now waiting for an approval, Chase now decides to deny my application because they could n't identify me.  <P/> I was like what are you talking about??? Chase is now making excuses to foreclose on my home. I have asked them what do they need from me.  <P/> Chase keeps telling me that they do n't have the details but my application for a short sale is denied. Now I 'm at risk of getting foreclosed on just because  Chase  is playing games.  <P/> Please all I 'm asking is help to get this short sale completed, as it is I have to move out of the property and Chase keeps playing games with our home.  <P/><P/> Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I filled bankruptcy in order to prevent my home from entering foreclosure as a result of my husband, then, mischeivousness. In XX/XX/XXXX, I divorced my now ex-husband XXXX. With this divorce he relinquished all rights and all claims associated to my present residence. It took me several months to acquire my mortgage and the change of address and my mortgage statement coming to my home address. I have had several correspondences with Wells Fargo regarding the assumption of the Home Equity Line of Credit. According to my lawyer, I should take the divorce decree and have them transfer the Line of Credit in my name. I have also made payments without acquiring a statement of receipt. In addition, I furnished them with an entire copy of my divorce decree ( page 3, Article 2 ) stating that " the husband shall surrender any and all claims to said property, and that husband should cooperate fully in signing and documents of said property ''. To no avail, they refused to make changes even though its based on higher hierarchy- Supreme Court of the State of New York . I 've made several attempts to make amendments but, they refused to converse with me due to the fact I 'm not the holder of the Equity Line of Credit. Equally important, I received a document from the United States Bankruptcy Court which clearly states at the bottom " Other payment change : Will there be a change in the debtor 's mortgage payment for a reason not listed? the box checked yes. and the reason for change is Payment change resulting from an Equity Line of Credit ''. It may not have been included in the initial bankruptcy documents however, changes and funds are being withdrawn for payments and they are not being applied based on the documents on-hand.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy.

They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
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 credit report is reporting 2 accounts on my report that were to be deleted. The first one is bank of america 2nd one is  XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX  did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at bank of america discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. XXXX is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.

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 10-08-2015 about Debt collection (Medical) with LAMONT HANLEY & ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, XXXX XXXX of California processed duplicate ( sometimes triplicate XXXX claims due to processing errors. A claim was paid, then the duplicate went out without member receiving a second reimbursement. This duplicate claim was pegged as an overpayment in error. Member called customer service back in XXXX 2015, and claims were reviewed stating that member did not owe anything to XXXX. Member, also, has called XXXX several other times due to phone calls from Lamont Hanley to confirm that member do not have any overpayments. Lamont Hanley has been calling member trying to collect a payment that I do not owe. I have called XXXX several times about this erroneous claim and they agree that I do not owe any overpayment, but Lamont Hanley is relentless in calling harassing me for a bill I do not owe. Just two hours ago, I received a call from this collection agency and informed them for the fourth or fifth time that I do not owe XXXX, but this time the rep kept arguing with me stating that " you do owe this bill. '' I hung up and called back and asked to speak with a manager of Lamont Hanley and informed him that his company has been harassing me for almost a year for a bill from XXXX that I do not owe. The manager asked for my phone number, and he confirmed that the matter had been cleared up with XXXX and that his reps will not continue to call. My concern is that this erroneous matter will end up on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Stallings Financial Group, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Stallings Financial Group first called my mother about my debt before me. I called them back and the woman, XXXX XXXX, was very rude to me. She would not send me a hard copy of my debt, then she put me down as a refusal to pay and hung up on me. I called back to speak with a manager, XXXX, and she was very rude to me. I asked them not to call me and was very rude about legal terms. Her tone of voice was not what it should have been. I am very upset with debt collectors and how they have handled me. 
My parents are divorced, my father is the primary holder of my insurance by divorce decree. I have in writing that he has agreed, if sent to him, to pay. No collector will listen to me explain this and send me hard copies from the time I had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Someone tried to break in to my apartment ... ... .told the management I did n't feel safe ... .. '' nothing we can do about it '' was their responds so I gave notice and moved ... ..never heard any more about it until I checked my credit 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
Consumer complaint received 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX student loans with the same isssue. ( XXXX ) Transunion reported a 90 day late payment on XX/XX/XXXX. ( this is not possible as payments for XX/XX/XXXX and XX/XX/XXXX reported as On time. This is an error on my report that is negatively affecting my credit worthiness.

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 07/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX after I was fired from my job with XXXX telephone for being unable to work, although the accident happened on the job. I am XXXX but able to do some work if it is on a schedule I can handle. A lifelong interest in the arts caused me to think I could pick up enough solo projects that it would be worth my time to get a degree and knowledge to do so. My first year and a half went fine. They allowed the loans I needed to pay for school. As my condition worsened, my finances tightened more and the school demanded that I get a co-signer for the last quarter 's loan. My father agreed to sign that loan and that loan only. After school, I was unable to get and complete enough jobs to live and pay for the loans. My father paid back the one he helped with but he realized he had paid back far more than the amount he signed for. With some checking and the hateful people from XXXX XXXX, we were able to determine that his name had appeared as co-signer on all the loans, although neither he nor I had approved that. His credit is now ruined and he is barely surviving. Please tell me what I can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was told that income repayment program was the best for me because it was goes based on my income alone. What I was n't told is that there is a cap and when ur married it includes my wife income now as a result I 'm paying much higher and there nothing I can do about it because if I get out then I pay much higher. On top of that I requested for them to change my auto pay account and they told me that I have to stop auto pay the regular rate with the higher interest then change the account. Even though they can change it via paper request they ca n't via phone even though they already have the account on file. When I requested to speak a  manager I was refused but then they just put me on hold for 15 mins to chan ge a simple thing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Property Address : XXXX XXXX XXXX, XXXX, FL XXXX My last day of tenancy with XXXX XXXX XXXX ( XXXX XXXX. XXXX, FL ) was XXXX/XXXX/XXXX. I provided my forwarding address via email and in writing. I was to receive a Security Deposit Disposition form with an itemization of charges of the final billing. I received nothing. Not even a certified letter or no notice of an attempt to deliver a certified letter. 

On or about XXXX XXXX, XXXX, I receive a call from a debt collector requesting payment of $ 1,800.00+ on behalf of XXXX XXXX XXXX 

I demand to obtain a copy of the itemized billing so that I can validate the debt. 

ALSO NEED THE CERTIFIED USPS DELIVERY TRACKING NUMBER OF WHEN THE FIRST STATEMENT WAS SENT BACK IN XXXX ( probably the XXXX of XXXX according to National Credit Systems )

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Problems caused by my funds being low

Complaint: I, acting on behalf of a student organization that I 'm a part of, was XXXX-charged for insufficient funds by Chase bank. I had enough money in the account for XXXX transaction but not the other. I tried to have the smaller payment go through the system first, but the automatic payments did not work that way. When I asked them to refund me the overdraft fee, they did not. They cited that their company policy when transactions come in without timing information is to process the bigger transaction first, which seems very favorable for them, and very detrimental to their account holders. Obviously I agree that I should have been charged for the XXXX, larger item, but being charged for both just makes it harder for me to pay for either.

Company response to consumer: Closed with monetary relief