milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint: Received call with local area code : XXXX. Recorded voice indicated that the call was to address a problem with my current credit card and this was my last chance to correct it. I spoke to a representative, who identified himself as " XXXX '' with employee number XXXX. When I asked him to identify the business from which he was calling, he paused and then responded " nothing ''. I believe he had previously mentioned Chase Bank during his opening salutation, but he also mentioned XXXX and XXXX Card, and possibly XXXX XXXX as well. I tried to figure out why they were calling me despite being registered with Do Not Call but he began to make nonsensical responses. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Account opening, closing, or management

Complaint: I have had some problems with PayPal in the past, and submitted these to this website. Now I have a " Compliance '' department asking for documentation that I have provided on XX/XX/2017 and the account limitation has not been lifted. I feel this may be due to the fact that I reported them to you and to the IRS for another issue I had with them. Now they are using their Monopoly agreement with eBay, and some obscure rule they choose to apply to those they wish to be rid of to freeze my account and destroy my business. I have complied with their requests, and the refuse to remove the limitation. This extends to my secondary account for my website and the account for my eBay consignment. The website does not have a sale yet, and the company information is the same across both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

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 11-03-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There are XXXX collections from this collector. The lesser XXXX is for {$540.00}. I paid this debt and asked if I could make payments on the other. They never withdrew payments towards the other, and now both debts are back on my credit report as new debts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: i have been advised by my realtors to contact this Bureau. My husband andI acquired a Home Equity Line of Credit in XXXX of XXXX. The prepaymentphase ended this past XX/XX/XXXX. Uneducated and unaware, wewere caught off guard and can not afford the payments. Our home is vacant, we own another home, in the city where we work and live, we aredesperately wanting to sell, sell, sell, the home, but it is not selling. We havereceived a cash offer on the home, a lowball offer, and we have applied for ashort sale with our primary plus our secondary mortgage lien holders. This isthe very beginning stages, I am still faxing in documents. However, the mostrecent appraisal on the home shows {$230000.00} on XXXX XXXX, XXXX. Weowe $ XXXX on the home. This does not include the HELOC which is over XXXX. I haI have missed XXXX payments on the HELOC. But like I said, I am applying forShort Sale status, in the hopes that I get another offer, if this offer does notgo through. At any rate, I have NOT enough equity in the home to pay backthe HELOC even if I were to get an offer for the appraised price. I am not surewhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent a total  of three letters each to   XXXX   XXXX   and TransUnion that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goe s so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it. TransUnion removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: I have tried submitting various complaints to  XXXX ,  XXXX , and Experian with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with Medical Society Business Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX against Bureau of Med Economic for Bureau of Med Economic 's failure to provide requested information for the debt alleged. As of XXXX 2017, Bureau of Med Economic has been reporting an open credit account for the XXXX. On XXXX/17, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Settlement process and costs

Complaint: XXXX, attorney XXXX XXXX ( fired ) XXXX XXXX filed a foreclosure against me, I have no mortgage, I have a paid in full. From XXXX XXXX XXXX. The lawyer knows its fake, he received the PSA from me, it clearly states no assignment was TRANSFERED, there is no trust or trustee. The lawyer handed Robo assignments in and brought a fake witness to to TESTIFY. Referee XXXX XXXX XXXX XXXX, tampered with minutes from hearing, inserting a witness on minutes, entire proceding was recored. I sent copy to court reporter. XXXX XXXX. When she seen herself on film, she stated XXXX XXXX mad her do it. Fraud in the FACTUM.they stole my Mail, signed my name to a electronic transfer of FUNDS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent several certified letters to  Lexis Nexis  disputing information on the report I obtained from them and did not receive a response back with 30 days from the first letter being sent out in  XXXX  I had also made a phone call inquiring to see if they received my complaint and the representative said they did, but I guess it was never addressed.I requested that they send me proof of a bankruptcy filing from the courts that they are trying to show on my records, which they are saying they verified with the court themselves and I called the court and was told they do not verify or report any information to any of the credit bureaus, so that information was not true. I am waiting on written confirmation from the court just to have a back up to show that they do not verify anything with any of the credit bureaus including  Lexis Nexis , so they are not telling the truth and can not provide me the proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX XXXX XXXX/XXXX, XXXX XXXX/XXXX and on XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my Experian credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.

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 01/23/2018 about Debt collection (Payday loan debt) with Risecredit, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: onXX/XX/XXXX i spoke with someone at rise and agreed to remove all negative info from my credit report. a verbal agreement was made on a recorded line that once i showed receipt of payment the item would be removed. onXX/XX/XXXX i recieved an email saying that everything is correct. they are now refusing to stand by the agreement made on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my 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 03-06-2018 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have XXXX credit protection through XXXX because my information was compromised through their breach. ( I assume. They've never directly admitted it, just offered me the service. ) There are now two sets of collection notices on XXXX and XXXX from Amsher and XXXX XXXX XXXX. I am not behind in any of my debts. In both instances I never received notice from any firm that I owed them money prior to them placing this collection notice on my report. I was not aware of any debt owed before this. I have disputed these debts in writing with the collection agency and in the instance of Amsher also with XXXX XXXX who Amsher was collecting for. 

I don't think these companies and their collection agencies should be able to phish for me by placing this notice on my credit report prior to giving me actual notice of a debt. I never even received a bill from XXXX XXXX prior to being notified that this collection notice was placed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The amount of the payment is so high, I ca n't even begin to try to repay, and when I have told navient this, they send me to forbearance and will not allow me to make payment that i could afford, and now my accrued interest is so high the only thing I can do now to get a payment I can maybe afford is to default and have it taken out of my pay check. I have been placed in forbearance since 2013 and now I have XXXX dollars accrued in interest, I want to pay, but they wo n't except what I can afford and just keep redirecting me. This has also put my credit report and score into a bad place so I can not even begin to get any help to try to reconfigure or consolidate my other loans so I could be able to pay a large payment on these. The interest on these loans is so far out there no one could begin to ever get caught up. Now I do n't know that I will ever be able to help my other son ever go to college. My son was not even able to finish getting his degree it became so expensive. I was suppose to start paying the XX/XX/XXXX like XXXX dollar payment and they changed it to XXXX prior to the first payment and now I am unable to pay them and is now in default.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: I am disputing this creditor. I was not informed via certified mail of any late payment concerns. I was making current monthly payments, and was not made aware of any payment date changes. When I realized there were late charges on my statement months later, I contacted the company via telephone. I was quite upset, and agreed to pay the total amount if they would remove the late fees since I was not aware of any concerns.. The company willingly removed XXXX of the late fees. I payed the bill in full and cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a bankruptcy on my credit report that is a mixed file trans union refuses to do anything about it saying its a duplicate compliant

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. XXXX has removed these loans off my credit but they are still on my equifax and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I filed a dispute with Equifax back in XXXX XXXX. Regarding the misinformation XXXX XXXX is reporting on my credit report. I also sent proof to Equifax that my XXXX XXXX account went into payment default back in XXXX XXXX never regaining a current status. Until the account chargedoff in XXXX XXXX. The account has now passed its 7 year mark and needs to be deleted. XXXX XXXX XXXX is reporting that a payment was made in XXXX XXXX after the chargeoff date. I sent Equifax proof from XXXX XXXX, that payment was a refund check sent from the dealer. Not the account holder as they are reporting. Equifax has failed to investigate this matter accurately. Even after sending them proof of the inaccurate information being reported.

Company response to consumer: Closed with explanation