milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 09/21/2015 about Consumer Loan (Installment loan) with Time Investment Corporation (NC).
Issue: Problems when you are unable to pay

Complaint: fell behind on pymnts and they have showed up to/ and called my home and my job even after I requested them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (VA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My name is XXXX XXXX had a car loan with chase bank I was hurt and out of work the payment fell XXXX months behind they repossessed the car on XXXX XXXX they claimed they had been looking for weeks it was in my driveway every day when they came to repossess the vehicle I willing handed them the keys because I knew on XXXX XXXX I could finally pay in full and be current again I called chase the next day on Thursday to find the total amount and informed they I will be bringing everything current on XXXX the XXXX that Friday the agent said I could only get the car back if I paid the XXXX loan in full talked to a supervisor he said the same thing and if I could not pay the full balance on XXXX XXXX XXXX I would now be responsible for the difference between the sale and balance owed that is not right I tried to avoid the situation bring the loan current now that I was back to work but they declined fine but you can not hold me responsible for the balance of the loan if the sale price does not cover it because I attempted and asked repeatedly to let me bring the account current and continue payment as agreed they refused I want them to to not hold me responsible for their decision to not take my payment and continue the loan that was their decision and it should not effect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX properties ), inquiries, etc are not mine. I am livid, XXXX off that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, XXXX, XXXX and XXXX 2016 this is it ... XXXX Properties was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, and have only had a XXXX XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.

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 09/15/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX I was contacted by Stellar Recovery Inc as they had bought a debt from XXXX XXXX The debt was for a DSL modem, which I had returned months before, to XXXX XXXX. I had contacted XXXX XXXX and told them that I had shipped the modem back to them, but because I did not have proof of this, they billed me for the modem. I explained to the Stellar Recovery Inc staff that the debt was invalid, and that I was fully contested the debt. I have heard nothing from Stellar Recovery Inc, neither telephone, nor written correspondence. On XXXX/XXXX/XXXX, I had an XXXX credit report done through my local credit union, and found that I had a notation on my credit report, with the debt showing as being generated in XXXX of XXXX XXXX absolutely false ) and that I was delinquent. This is damaging my credit, and I refuse to be bullied into paying a false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a mobil account with XXXX in XX/XX/XXXX. I lost my account due to FBI wanting my phone shut off in the state of TN. XX/XX/XXXX I was put into XXXX XXXX XXXX TN and I worked the debt off. XXXX  contacted me while i was there paying my debts with forced labor. In XX/XX/XXXX I was informed that i no longer owed XXXX anything, that everything had been paid in full, both accounts. <P/>XX/XX/XXXX I walked into an XXXX store here in XXXX XXXX Nevada and opened a new account, without a deposit for the account. <P/>Why do they still have an charged off account on my credit report from EOS CCA? I do not owe XXXX any money for my previous accounts. I 'm up to date on my current account. <P/>I 've been having problems with FBI/CIA blackmailing my creditors to keep false information on my credit accounts. I hired lawyers two years ago the fix this problem, but some creditors still keep listening to FBI/CIA. If yo look at my credit report, one month they show up, report for a while, then disappeare. years later, they show up again. Blackmailed by FBI/CiA. What was the since of working for free in XXXX XXXX in TN. It has n't taken my debt off my credit report. TN, FBI, CIA needs to be investigated for bothering peoples credit!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting inquires on my credit file that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I wrote a check to XXXX of XXXX XXXX for a down payment on a car. We agreed to date the check for XXXX XXXX, XXXX, and that is when they were going to cash the check. I checked my account today, and Chase posted the check yesterday, XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX. 

I called to complain to Chase, and they wo n't do anything about it. Instead, they argue with me that the date holds no bearing on when a check can or can not be cashed. 

Luckily, another check cleared in my account, so my account did n't go negative, but that 's not how it works in the state of MI, and they refuse to acknowledge any error on their end. I was leaning on the money until the XXXX when I get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: looking online XX/XX/2016 at the bank 's statement of my account, I noticed an electronic check that I did n't recognize. It was for the amount of XXXX and the only name on it XXXX. I called the bank and they referred me to call a number listed on their copy of the check ( their new website launched this week, the check copy does n't show a phone number, hidden ). The phone number given by the bank for me to call is XXXX. A lady answered quickly and said that someone had ok 'd a monthly charge online. For what exactly was left unclear. The person identified their company as a handling company for XXXX, and the transaction will be cancelled and a refund issued in a few days. As of XX/XX/XXXX no refund has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello-I typically check my checking account every other day. I just returned from vacation this Sunday XXXX/XXXX/2018 and noticed there were several unauthorized charges. I barely used my debit card while on vacation, and resorted primarily to using my credit card. I called Wells Fargo, and they opened an investigation, however also relayed that fraudulent charges affected my Dad 's account too ( who is a joint account holder ). My online account was  suspended, and I was told I was going to have another debit card reissued and that my account information would change. I called back customer service to follow up ( as it has been three business days ), and have been on hold for going on 1 hour and 37 minutes and told that there are no specialists available. In the meantime, more fraudulent charges have appeared in my account, and my dads. This is an urgent matter as my Mom was socially engineered on Friday from a " Wells Fargo Representative ''. I think this matter should be treated as soon as possible. I do n't have the time to be on the phone with customer service for approaching now 2 hours. Please advise as soon as possible.

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 07/29/2016 about Mortgage (Conventional fixed mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: 1 ) My son and I are XXXX, and XXXX generations of XXXX XXXX. We live at the same address. We have different birthdays. We have different Social Security numbers. This may seem obvious but not to credit reporting companies. XXXX got it right. XXXX and Transunion reported my IRS liens against my son. I went to the XXXX XXXX County Clerk, obtained County Clerk certified copies of the liens showing my SS # and asked both to delete the liens from my son 's credit report. They refused and continue to falsely report these liens against him. 
2 ) When my son was XXXX-still covered under my XXXX insurance he had an xray.. I presented XXXX Insurance information. The Dr. 's assistants said nothing, failed to claim the xray against XXXX coverage and filed a credit report against ( not me ) MY SON! Transunion and XXXX refuse to remove the charge against his credit. 
3 ) My son 's uncle died leaving a XXXX car subject to a note. XXXX Bank allowed us to assume the note. Immediately after his uncle 's death there were 2 late payments. When probate was completed and the car purchased and the note assumed, the 2 late payments were attributed to my son, who did not own the car when the late payments occurred. XXXX and Transunion refused to remove them from his credit report. XXXX rated my son at at XXXX. XXXX and Transunion rated him at XXXX and XXXX. Obviously these errors have had an enormous impact on his credit report, defeating his efforts to obtain a mortgage loan.

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 11/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX purchased a house in XXXX XXXX with using my VA home loan, came down on orders to change duty stations in XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX my mortgage was with XXXX XXXX XXXX, I called to do a loan modification, the person I was speaking with told me " dont make another mortgage payment till you got all the paperwork that i am sending you '', so I stopped making payments. I waited ten days never received any paper work, so I called back told the person I was speaking with what was going on, that person also told me to dont make payment till I received paper work, I never received any paper work. Ever since than I was giving the round around, by than I was so far behind on payments that I could not catch up to bring my loan current. After a few years go by mortgage was sold to many different mortgage companies, then ended up in collections, now I owe {$400000.00} to bring my loan current at the end my VA loan turned to a conventional loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I accidentally submitted bill payments with another institution that used my account at Bank of America. The transactions all occurred on XX/XX/XXXX : {$110.00} {$70.00} {$47.00} Unfortunately there were not funds in the account to cover those transactions, due to transitioning to a single bank account at XXXX. Instead of stopping those transactions, Bank of America allowed them to post to the account and proceeded to charge three {$35.00} overdraft fees. <P/>I contacted Bank of America on XX/XX/XXXX to dispute the overdraft fees, but they refused to be of any assistance, meaning that I have lost {$100.00} due to them not managing transactions properly. <P/>Additionally, despite me having set up account alerts to notify me whenever there is an overdraft, I did not receive that alert until the day after the transactions were posted. Had I known that this occurred the day of, I could have transferred funds immediately to prevent any overdraft fees being charged.

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 05/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My complaint is that it required XXXX emails/phone calls to Navient to identify, correct, and prevent suspicious/fraudulent/illegal activity to my account. Below is the detail : On XXXX/XXXX/16, I called Navient to make a payment to my account on past due amounts for XXXX 2016, XXXX 2016 and XXXX 2016. The Navient rep received my payment and stated that this payment had made my account current. At the time, I also asked about options for an IBR plan since I started having financial difficulties in XXXX 2016. The Navient rep informed me of some options, and I asked if I could request a future forbearance to give me time to research. He agreed. After the call, I started researching IBR plans. When I logged into my Navient account a few weeks later, I saw activity on the account that was suspicious and confusing. I called and emailed Navient four times after I discovered the suspicious/confusing activity to request clarification and ask Navient to research their records to confirm whether or not the Navient rep I spoke with on XXXX/XXXX/16 had correctly processed my request. In response to each of these emails and phone calls, Navient provided me with incomplete and inaccurate information about my account. On a fifth attempt, on XXXX/XXXX/16, I spoke with a rep named XXXX who was finally able to ( 1 ) provide me with correct information about my account, ( 2 ) identify the Navient error that created all the suspicious and confusing activity to my account, and ( 3 ) place an internal request to correct the Navient error that incorrectly caused {$780.00} of interest to post-actively capitalize on my account on XXXX/XXXX/16 as a result of the XXXX/XXXX/16 phone call. She also identified and removed other suspicious activity that would cause more interest to incorrectly capitalize on my account on XXXX/XXXX/16. Had it not been for XXXX, I would not have had a resolution and Navient would have gotten away with fraudulently and illegally capitalizing interest to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with Direct Capital (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BorrowersFirst, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted this company about 7 times already to correct the payment information on my account. After speaking with a supervisor about two times once they called me they agreed to remove the late derogatory information off my account. While I waited 3 months it 's still there I tried reached out to the company again and they informed me that they put the request for that department to remove the late payment and they reassured me that they will fix the report and notify the credit bureau so they can update the system.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with ID Analytics, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am currently on hold with Barclay Bank. I made three payments over the past 2 weeks. 2 large payments have not been reflected in my account. I am quite concerned that my funds are being fraudulently spent at this point My case number is XXXX. They are missing a payment of {$100.00} and of {$500.00} that were both ACH payments from XXXX. We spoke in depth with the representative from XXXX who gave them the specific info they would need to locate my funds. My money is missing and I am quite concerned. 

I think something unethical and fishy is going on at this company. At this point, they say it will take 7 to 10 business days. That is ridiculous. Here I am a consumer trying to pay down my credit cards. I was in hurricane Irma. I need to buy a car and improve my credit and they somehow low my payments. 

At this point, I 'd like them to credit my accounts. Then I 'd like to close all accounts with them and not have it affect my credit. I need reliable creditors and not ones like them moving forward. They need to be investigated for fraud.

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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY 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