milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: experian, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed medical collection accounts on my credit and sent these disputes out via USPS certified mail on XXXX/XXXX/15. On XXXX XXXX, I received a letter from Experian stating that they decided the disputes were not sent by me and that they would not be initiating any disputes based on the suspicious correspondence. When I sent my dispute, I included my ID SSN card, proof of address and also marriage certificate. All of my information matched- name on ID was name on marriage certificate, name on SSN card matched maiden name on certificate. Address on ID matched proof of address, etc. I have not disputed anything for a couple of years, and there was absolutely no reason for them to say it was suspicious or that it did not come from me. I am sending a notarized letter including this complaint, proof of mailing the disputes, and the original dispute paperwork, along with other pieces of identification. This is just a blatant refusal to initiate my disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: My husband deposited his XXXX loan check to CHASE BANK on XXXX XXXX, 2015. It was supposed to clear on XXXX XXXX. 
On XXXX XXXX he used his CHASE debit card to pay lunch and it went through. On XXXX XXXX when he paid his lunch, he found out he had no money in the bank. He went to CHASE BANK and was told his account was frozen because of suspicious activity. The XXXX loan check had already cleared according to the company but CHASE bank have and the rest of our money XXXX pay checks and all XXXX frozen. 
CHASE gave him some phone numbers to call since the local CHASE BANK could not deal with the issue but the " persons '' he talked to on the phone could not solve the issue either. You know how long you have to be on line before you reach a person when calling CHASE. And he was passed along from XXXX person to another. 
On XXXX XXXX we received a letter from CHASE dated XXXX XXXX stating that the bank is in the process of closing his account ( authored by XXXX XXXX XXXX. The bank would not even return the money we have already in the account before the XXXX loan check. We were completely crippled since we have our pay checks direct deposited to CHASE BANK. 
Our mortgage is also with CHASE BANK and of course we will be charged late fee for not paying on time. How are we to survive? We also have other bills and basic living commodities that we need money for. 
Is this another tactic, bank mumbo-jumbo to disable the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did n't have a contract with  XXXX  ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.

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 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My name is XXXX XXXX, you can see why I have often shortend my name to XXXX or XXXX XXXX, yet these credit reporting agencies make me look like a con artist by saying I use several names, they are all mine. There are also XXXX inquires on my report with Experian and at least XXXX of those I never applied for any kind of credit with. I tried to get a credit card to build up my credit and i was surprised to learn i did not since the only negative i had on my report as XX/XX/XXXX was with XXXX for {$220.00}. Recently I applied for a car purchase, even though I do not drive, I need transportation and have my grandson drive me, I was turned down for the purchase. I thought the car dealership had their own financial system and found out that they were applying instead with XXXX banks. I 'm almost XXXX in XX/XX/XXXX, I do not have a lot of money, but I do have integrity, but conglomerates like the credit reporting companies can destroy a persons character with a few degrading words, this needs to stop.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation XXXX has totally let the breach destroy my credit again 4th time conns, XXXX never late, XXXX not mine, and XXXX XXXX not mine id theft sent po report sent

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX {$430.00}, This account was paid in full by insurance, yet the Collection Agency never validated this information, nor provided proof to me that they did. 
Per the FCRA Section 809, the Collection Agency never validated this debt to see that it was legitimate, nor did they provide proof that they Contacted XXXX XXXX XXXX XXXX to see if they paid the claim, like they did I would like this account removed from my Experian 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 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I contacted Transunion regarding my address and they 've mentioned removing XXXX of the addresses listed. Every credit report I receive item has not been moved. I did not live at the address they are stating.

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 05/23/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease

Complaint: I purchased a vechile with XXXX XXXX XXXX in XXXX, Texas. At the time of purchase I didnt have a Social Security number however I was able to finance the vechile using my ITIN number which is a tax processing number issued by the Internal Revenue Service. ITINs are for federal tax reporting only, and are not intended to serve any other purpose. IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security Numbers. 
That being said, 3 months later I received my Social Security number through the mail, and have rescind my ITIN number, I contacted my financial company that i used to finance the vechile Westlake Financial, I sent them copies of my Texas Drivers License and a copy of my Social Security card and they refuse to update my account discriminating against me because its not a normal Social Security Card? I am leagally authorize to work in the USA and I feel descriminated against, and would greatly appreciate if higher authority can step in and have Westlake Financial update my account with the right Social Security Number so I can obtain credit for my on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (PA).
Issue: Credit decision / Underwriting

Complaint: Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had several months were I could n't make the full payment of my loan and the adviser suggested I go into deferment instead of losing my payment to something I could afford. Also in two separate occasions I had to pay {$900.00} which was nearly 3 times the amount of my monthly payment. 
Loan payments are based on gross income instead of net. If I were to pay the full amount Navient would like of XXXX per month I would not be able to have an apartment and would be homeless. Repayment should be based on net pay not gross.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is refusing to do an accurate investigation. XXXX XXXX company is reporting an inaccurate balance owed on the account. I disputed the information and in XXXX day Experian sent notification that info is inaccurate. Experian refuses to accurately report my information. They are a second rate reporting agency. XXXX is also reporting inaccurate information. I do not have a balance with them. I dropped coursework before the deadline yet they 're reporting that I owe nearly {$3000.00}. It 's as though consumers have no standing against companies reporting inaccurate info And the credit reporting agencies support this mess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I have a credit card from XXXX. The card fee is $ XXXX/year and starts on XXXX. On XXXX I received notice of the renewal. I asked for a card with a lower fee. It was {$49.00}. They issued the card and I paid {$49.00}. They applied the {$49.00} to XXXX to XXXX but never cancelled the {$90.00} charged. They continued to bill me {$41.00} ( $ XXXX- {$49.00} ) and objected each time for 3 months. Then I found that they reported the past dues to the XXXX credit bureaus so I relunctantly paid them the {$41.00} plus XXXX late charges totalling {$4.00}. 
They refused to reduce the {$90.00} fee to {$49.00} because they think the contract permits them to charge {$90.00} if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with XXXX states " The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available ''. This statement is illegal in California pursuant to the California Automatic Renewal Law, California Business & Professional Code 17600. 
This law states " a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). 
I would like my {$45.00} refunded and more importantly, instructions given to each credit bureau that there was no past due. 
i am enclosing pages referring to XXXX, and the XXXX terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. 
In addition, in XXXX ( XXXX, XXXX was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems when you are unable to pay

Complaint: I have a loan with bank of new york servicing company is XXXX, first i was doing loan modification the bank did not qualified me then they offer me short sale in writing all this time their lawyer has been harassing me with dual tracking having me in foreclosure posting papers on my front door even do i have approval from loan modification and then short sale is almost impossible to speak with an associate they claim that my house does not have sale date with is untrue because it shows in the public records that the sale will be XX/XX/XXXX, so i hired an agent working for XXXX we already submitted all the information with the offer of qualified buyer every time they said that either they not receive the documents or they are missing is impossible to talk with the person on charge XXXX she never ever answer never different people would tell you different things misleading the homeowner in distress all i got is harassing letters from unprofesional record XXXX with really bad reputation with documented cases in all the social media by the way XXXX many phone calls i made to his office and they totally hung off the phone on me and one associate call me filthy XXXX because my accent they are pretending that they want to help but time is passing and the sale of the house is close, they send me letters with big numbers not according with my records impossible find out because they do not answer and change personal every month so looks very disorganize very unprofessional i have my agent working hard to get buyers and he is having the same issues XXXX is a prestigious company i guess they can testified that i am telling the true i hope lawyers from XXXX step in this case, i think they are malicious pretending that they want to help but facts show the contrary they making it hard for us totally misleading us.

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 12-10-2017 about Debt collection (Private student loan debt) with Asset Recovery Solutions, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I XXXX XXXX am reporting a deeply serious complaint against the entity of Asset Recovery Solutions , LLC, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

Asset Recovery Solutions , LLC, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XXXX, and XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding Asset Recovery Solutions , LLC, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by Asset Recovery Solutions , LLC, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward Asset Recovery Solutions , LLC, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion will no longer allow me to file online disputes or see my credit report online. They say investigations must be done manually. They are punishing me because they have made so many mistakes. They continue to release my credit report to fraudulent individuals. Here are the illegal inquiries as follows : XXXX delaware 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 explanation