milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The bank sent me XXXX letters and XXXX emails stating that i should submitt my country of citizenship and that its required by law for the card they gave me XX/XX/XXXX .when i called to give to them i was told i called the wrong department .they gave me a different number to call and i called the representative that handled that case started asking me questions and i stoped answering them and asked her if i was reaplying for this account And she told me no .she assured me it was not reaplying its a requirement to keep update what they dont have. She promissed its not reapplying for that account .i went ahead and answered the questions she was asking and when i was done she told me its updated but not open so i keep on paying the amount they send on the mail i said ok and the call ended .but that evening i received an email stating that i got a hard inqiry in my credit account from XXXX XXXX XXXX .i called the bank and complained they told me their is nothing they can do and i requested a supervisor .they gave me a supervisor whom i told what happend and he told me that inqury was legitimate .i explained that i called the bank to give my country of citizenship i wasnt applying because i have been having the card since XX/XX/XXXX .he told me at that point thats final .i told him to listen to the conversation that we had with the representative he said he will listen at it and update me .after fiur days he called and told me he had me ask if that was applying another account but still he told me its legitimate .i have attached the card from 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 explanation
Consumer complaint received 01/17/2017 about Debt collection (I do not know) with Critical Resolution Mediation LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Same people! leave msgs on work phone, home phone saying it is either XXXX XXXX or XXXX XXXX phone XXXX They are a XXXX debt collection company that I have complained about before and to the State Attorney General. they leave threatening messages, they just wo n't stop! they are called Critical Mediation XXXX for XXXX online loans. I paid off the last one I took out before XXXX. I was owed money for over a year and finally paid everything off!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i contacted the three credit report agencys. XXXX, XXXX, and Experian concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

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 09-12-2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (KY).
Issue: Problem with the payoff process at the end of the loan

Complaint: I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Equifax 's departments in regards to complying with federal law and statutes on my credit reports under the following federal acts regarding credit reports. The following acts Equifax is not complying with is as follows fair credit reporting act section 609, Federal Trade Commission fair debt collections practices act of Time-Barred Debt of Seven to Ten Years. I have contacted the subscribers of my inquiries and they have advised me they had no issues and to contact Equifax of which Equifax have been uncooperative in removing inquiries as well as an account for XXXX that was written off to collections of which XXXX sent to the collection agency to collect which means they forfeit their right to collect the account. I also tried to report to them about cleaning up and deleting historical information which has lead to identity theft of which I now have identity theft insurance with XXXX companies because of their refusal to purge it and update my records as I requested two years ago. I am doing this as a last resort before I file lawsuits against them in federal court for non-compliance with federal laws and state statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: Bank of America continue to report negative items on my credit reports to the major credit bureaus, even after I asked them to discontinue this practice, because I am disputing these items. I even mailed certified return receipts stating " this account is being disputed '' and this company still did not ask these credit bureaus to place this label on my accounts, and they continued to report negative items. After XXXX days and then XXXX days expired, this company is violating the FCRA and the FDCPA by not doing as I requested. Please contact this company for me, and if you will, file a lawsuit for me against them. Thank you! 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 05-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I was charged a $ 15 monthly service fee on XXXX of my Chase checking accounts. In XXXX, I complained to the XXXX because I was being charged these same exact fees, despite the fact that Chase states they will not charge these fees if you have a balance across all your Chase accounts of at least {$25000.00}. During the same month I was charged this fee, I had a balance in XXXX of my other checking accounts of {$130000.00}, which is well over {$25000.00}. In XXXX, Chase apologised and said that they linked my accounts and I would no longer be charged a service fee. But I am now being charged the fee again. I want them to reverse the fee, to stop charging me the fees in the future, and to be reported for this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent a letter to Credit Collection Services on X/XX/17 to have this item removed from my credit report. I had XXXX XXXX which was requested by my doctor. I was billed {$85.00} by the XXXX. I called the XXXX  several times to have them resubmit the amount to my insurance company per the insurance company 's request. After thinking it was taking care of I learned of an open collection for this company on my report. Days later I receive a letter in the mail. I called the company on XX/XX/XXXX requesting a response to my letter and was told they do not respond to letters and could n't send me a response via email or to my home address. I was told I would need to go to their website and submit payment first before clearing anything up. I verified that this company is n't licensed to conduct business in the state of CT so why are the doing so?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I last checked with Fedloan Servicing, They informed me I could submit my   XXXX   loan forgiveness with papers signed on  XXXX   XXXX . I feel like this is just the final and most gregious  XXXX  up in a long list of misinformation by the company.  Today (   XXXX / XXXX /   17   ), I c alled to check on the status. They informed me that that rep was wrong and that I needed to wait until  XXXX   ( 5 full CALENDAR years ). I  am now switching jobs and dont know  if Ill b e eligible. I thought after 5 years of   XXXX   I was all set. I just found out that I am not. When I informed them that this was a  XXXX  dollar mistake that they should be accountable for, they informed me that it was my fault and that I signed the terms that I understood.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX, WA-XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/XXXXSource : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for XXXX and 20 for TransUnion that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( XXXX ),  and 20 ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 (  b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 10/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Ocwen Loan Servicing employee XXXX XXXX responded to my consumer complaint, XXXX XXXX, XXXX. XXXX XXXX attached a so called XXXX none fully executed XXXX XXXX XXXXXXXX XXXX modification with a forged signature. In addition XXXX XXXX attached loan modification schedule A with forged initials. Forgery and Fraud. It is illegal for incompetent loan servicers to use voided fraudulent documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies, commit fraud in the county recorders official records to slander title, then start using threatening tactics by using cozy relationship with trustee servers as a weapon against homeowners using fear and threats to coerce homeowners into increased modification they never applied for to avoid fraudulent trustee sales demanding hundreds of thousands of dollars in increased principal balances to fill own pockets with cash. I never signed the XXXX so called XXXX XXXX XXXX XXXX modification and I never initialed the loan modification schedule A. Ocwen Loan Servicing employees are covering up the loan servicers crimes so they can steal my home to fill there own pockets with cash. Ocwen and its employee are abusive and fraudulent. I contacted XXXX and was advised the tracking number on XXXX XXXX fabricated documents does not exist. Ocwen Loan Servicing, its shady employee XXXX XXXX and its lawyers are corrupt and should be in prison. This is the United States of America and we allow Ocwen employees and its lawyers commit such unspeakable crimes? It is illegal for the Consumer Financial Protection Bureau to collect millions in fines then allow Ocwen the option to not admit wrong doings so they can continue its crimes and abuse to homeowners, because that is exactly what 's been going on. Is it really about protecting the homeowners or is it really about collection millions?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a dispute about the balance along with documents to another company. I asked for proof of the amount owed. I was asked to call a toll free number. The PDF named PNC Bill Pay shows a cancel option then the message appeared. This made no sense. I am wondering if it is like entrapment or whatever. I had a case in XXXX XXXX in XXXX that the bank did n't cover a rent check. I called PNC and told them the check should have never been sent out. The message showed up after talking with a employee and him saying something like try the payment for the date shown in the PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation