milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: Chase Credit Card Services is refusing to provide statements for my Chase Business Visa under XXXX. I have records showing money was transferred to them from my personal checking account but Chase can not produce any evidence of debt. I want to point out to that XXXX was my business, I am the owner. My business was subject to Chase 's credit reporting and my business was responsible for the supposed 'debt ' you collected from my checking account. But you can not show any charges were made on that credit card. There has clearly been some kind of accounting error and I want those over charges returned. Another solution would be this, through acts of fraud my ex-wife now XXXX XXXX managed to steal allot of money from me and a large amount of my XXXX son 's recovery money. We have been unable to produce the evidence of what she 's done due to my inability to access any of my finances. It drove me into bankruptcy forcing me to default on my new creditors unnecessarily. One of those creditors is Chase Visa my new account through Amazon.com. I believe you can clearly see on your end who is causing this problem and preventing you from providing me with copies of my statements which I need to show fraud was committed. In effect XXXX XXXX XXXX and XXXX XXXX XXXX have committed offences against both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. 
Experian keeps saying that the report is valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The balance that is shown from my charged off XXXX loan is incorrect.

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 04-10-2018 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: Investigation took more than 30 days

Complaint: I requested a credit investigation two months ago. Well over 45 days have passed, and I have not yet received a response from XXXX or Trans Union.

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 09-06-2016 about Debt collection (Medical) with DataMax Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a dispute with Interstate Credit Collections concerning a charge from XXXX XXXX XXXX. Interstate Credit Collections stated that the debt was valid, but would not provide proof of the debt. They also did not verify the debt through the original creditor but a third party billing company XXXX XXXX and XXXX who have no knowledge of the actual debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Email : XXXXXXXXXXXX Cellphone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I feel I was robbed by Navient I owe them over XXXX I did n't even know the terms of the loan or that it was this much until I dropped out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I received a XXXX XXXX Tuition Answer student loan in XX/XX/XXXX or XX/XX/XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made XXXX payments of XXXX. One of those XXXX payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on Transunion and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further which  may  result in a lawsuit.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these

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 01/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent experian a certified letter, return receipt requested. Disputing late payments with my XXXX XXXX account. ( They are reporting I was late last month ) I included in this dispute, the actual trade line from my Experian Credit report, A print out of all my received payments from XXXX website, A letter signed and dated by me, asking for them to do a verification of their reporting. I received back a letter saying.. " We received a suspicious request regarding your personal credit information that we have determined was not sent by you '' they went on to say they are ignoring my request. 

This was a legitimate dispute, there is no reason to think it was from anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report I notice a delinquency, for a charge of {$190.00}, that had been sent to collections. I had never received that service ( XXXX ) or received a bill from ( XXXX ). XXXX has acknowledged the mistake and has claimed to be fixing the issue. I did not find out about this charge until the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided. my last letter i send is attached to this complaint

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 10/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to purchase a property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX since XX/XX/2016 from the property owner, XXXX XXXX XXXX. The Escrow Company has not been able to get a " payoff demand '' from Chase Bank who is the current holder of the property. The Escrow company has contacted Chase Bank several times to get the payoff demand but Chase is refusing to give them the information which is causing me damage as the buyer because of the delay. The Attorney that represents Chase Bank is named XXXX XXXX and he is also refusing to comply with our request. I have also made several attempts to call him and left several messages but he will not return my calls nor the calls of the Escrow Company. 
His email is XXXXXXXXXXXX I am asking your agency to intervene and investigate why Chase is refusing to give out the information for the payoff demand. 

Thank you for taking the time to read this complaint. 

Sincerely, XXXX XXXX Tel. ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 02/19/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CMRE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX By telephone : XXXX or XXXX By fax : XXXX By email : XXXXXXXXXXXX By mail : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XX/XX/XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX ( XXXX XXXX XXXX ). I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus Experian, XXXX and XXXX as they are violating the law by not notifying me within 5 days.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Someone stole my identity an got items I did n't authorize. I disputed with TransUnion and  XXXX  but do n't feel investigation was performed fairly. I 've contacted creditors but they ignore my issue/problem. It 's acceptance and crescent bank. It 's their word against mines just because they say it 's 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 explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My lender has made it so difficult to access the payment system that this is an active attempt to prevent people from paying their mortgage. They use a CAPTCHA system that frequently cuts off the verification string so it can not be entered correctly. On top of that, they permanently lock your account after XXXX failed attempts, forcing you to call customer service and hold for lengthy amounts of time for a representative to unlock it. They do not allow you to verify before they rush you off the call and, on more than XXXX occasion, they did not actually unlock my account, forcing me to repeat the process. I 've complained to the company and they simply do not care. This is a punitive system to force people into paying late fees or even default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (I do not know) with National Check Resolution Inc. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX Is calling my principal and coworkers threatening to arrest me at my job. They have all my personal information and it 's scary they are harassing me giving my coworkers my social security number just discusting

Company response to consumer: Closed
Consumer complaint received 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion wanted specific information on accounts, I sent these Documents in on XXXX, including police report, affidavits, account numbers. TransUnion sent a letter to me stating refusal to follow CFPB guidelines.

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 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have attempted to contact Trident Asset management several times with no luck in my desperate attempts to resolve and remove the collection they are wrongfully reporting on my credit report. However, all of my attempts went wasted for the past several months. I have received XXXX communication from the collection company. I have contacted the bureau who stated that collector verified the info and they could not remove it, and that I had to contact the creditor for the deletion letter directly but there is NO communication from this collection company to me! 
they are fraudulently reporting this collection which they have failed to validate and ignored all my attempts to contact them.

Company response to consumer: Closed with non-monetary relief