milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Penn Credit Corporation (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This complaint concern a collection item placed on account through Penn Credit for a XXXX XXXX account. The account balance of {$340.00} was paid on XXXX XXXX, 2017. I requested that the item be removed from file because it was paid and an old account. I was told by the Senior Manager XXXX XXXX that he could not remove the account as it had to remain on the credit file for 7 yrs. This information was not completely accurate as I was told by the credit bureaus that the collection agency can in fact request them to delete the information. Even though collection items can remain on the file for a time period of 7 yrs., the items can be deleted. <P/>I believe XXXX XXXX practice on behalf of Penn Credit is deliberately an attempt to further jeaopardy the credit of the consumer and in retailation. As I was told by one of the account reps. that i could request the account to be deleted once it has been paid. However when i spoke to XXXX XXXX he stated that this was not the case. <P/>XXXX XXXX attitude was rude and obnoxious.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.

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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: After contacting the bank customer service, it is said there're unusual activities to my credit card. During XXXX, my account was paying another card ( which is not my account ) XXXX transactions of {$14000.00}, {$600.00}, {$1700.00}. It was frozen yesterday ( XX/XX/18 ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested to have a verification of a tax lien filed XXXX, Equifax keeps giving me this as verified XXXX. I need this to be verified as of now XXXX. I do not want old information, I need an updated verification. If they can not verify it as of XXXX then this needs to be removed or it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Payday loan) with Big Picture Loans, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Castle payday forwarded this debt to a XXXX party XXXX however on Monday XXXX XXXX, 2015 I received a voice mail on my work voice mail by an unidentified company which is the following : Hello this is XXXX XXXX I 'm calling in regards to a formal complaint that 's been filed against a ( My Name ) if you have any information that may lead to the where abouts of this individual please contact our office immediately at XXXX regarding complaint # ( number here ) the next step will be filing the necessary paperwork with the county district court. 

This same exact message was left on my father 's cell phone, my sisters cell phone, my other sisters home phone and the home phone of a close friend as well as my work phone as I mentioned previously. Prior to this I have never been contacted to then suddenly be harassed by XXXX phone calls with my personal information going out within approximately XXXX mins going by. I immediately called back and spoke to a gentleman by the name of XXXX @ extension XXXX, it was at that time I identified the company as XXXX. He told me what Castle Payday authorized him to do. I advised him I 'd call back. I followed up with Castle payday today XXXX/XXXX/15 and was told this was sent to a different company entirely. 

Please assist or advise. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I am a single member LLC. I changed my LLC name slightly, but many of my business fees were still being paid by checks made out to the original name-my name plus LLC ( both the new LLC name & my name our on my business checking acct ). For several years, I never had any trouble depositing these checks to my account, until XXXX, 2016. XXXX XXXX of Chase 's XXXX, IL XXXX, refused to take my deposit, cause of " improper endorsement ''. I had to catch a plane, so I took the deposit back. 
While our of town, my office staff informed me that their payroll checks were denied. I called Chase & was told " my account was frozen. '' No one would tell me the reason. I was told by the bank rep that " our relationship was over. '' After making several inquiries & complaints to the bank, I was told that my account would be unfrozen in one business day. 
Upon my return, I met with XXXX XXXX ( branch mgr ) & XXXX XXXX, business banker. They dealt with me in an accusatory manner, for incorrectly endorsing checks. They stated that their actions were " not a mistake ''. Moreover, the XXXX, IL branch, ( where my billing service deposits checks sent to them on my behalf ) was told not to accept " improperly endorsed '' checks from me & this continued for up to 2 weeks time. The XXXX tellers were apparently told to watch out for me, as they alluded that they were aware I had discussions with the branch mgr .At all Chase branches I have used, I was allowed to make these deposits for years.These actions seriously impacted my cash flow ; caused embarrassment for NSF checks returned to me ; made me obligated to pay NSF fees ; had to pay wire transfer fees to repay my payroll service for covering my employees payroll. 
I had my business account with Chase, as well as XXXX personal accts. & my home mortgage. I am leaving Chase & moving all XXXX accounts out of that bank. 
Holding my hard earned money hostage without any due process is despicable. I have been a good, honest client with this bank for approx. 10 years. I want all of my out of pocket fees covered & I want to see XXXX XXXX & XXXX XXXX fired or reprimanded at the least, with a personal apology letter to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently filed a complaint with Experian in regards to XXXX closed student loans currently only reporting by Experian from XXXX XXXX XXXX. In the XXXX dispute in XXXX Experian stated .... In regard to the student loan, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded with a request to have the account deleted from your credit report. The result summaries were sent to you on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

in XXXX those XXXX loans are still being reported on my credit file when Experian stated in the previous dispute that the company asked for DELETION. 
i re- disputed this in XXXX XXXX and Experian stated ... You further indicate that you were informed that the student loans would stop being reported. You request that the student loans be removed. Regarding the tax lien, upon further research and investigation, we are in the process of removing the disputed tax lien from your credit report. At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you on XXXX XXXX, XXXX. 

how can they now say that it was verified as accurate if 2 years ago the company agreed to have them deleted? i supplied proof of the complaint and response. I also provided proof of the previous deletions. 

I BELIEVE THESE ACCOUNTS WERE DELETED AND REINSERTED AGAINST MY RIGHTS. ACCORDING TO FCRA If negative information is removed as a result of a consumer 's dispute, it may not be reinserted without notifying the consumer in writing within five days. It 's now been 2 years and i have not recieved such notice.

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 EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted XXXX XXXX XXXX about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with equifax and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. Equifax is allowing this company to destroy my credit report after they have removed the collection several times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was on a payment plan with XXXX XXXX and when I went to see what payment options were available for me with navient because of financial difficulties they told me they did n't have any available and I have to pay the full balance. After numerous phone calls and speaking with several representatives and supervisors I was finally told I could do a financial statement and someone would get back to me within 4 business days. I never heard anything back so I contacted them only to be told they did n't make a decision yet. I waited another week and called back only to be told again no decision was made I asked for a supervisor and was told it was sitting on someone 's desk because they were on vacation. I had to call back yet again he next business day only to be told I did not qualify because I made {$15.00} too much and there was nothing more they could do. Now mind you I have a XXXX loan and I have to pay have my car payment a month for it and hats a minimum payment. It 's impossible for me to put anything extra towards it therefore it 's impossible for me to ever get out from under this loan. Also looking at my credit my loan has actually gone up this past year by {$22.00}. And while making my payments on time they still continue to call my co-signer and tell them I do not make my payments while I make them before they are due!! This company is a real piece and should not be in business. Their customer service is horrible and they really need to learn how to work With people, they make it impossible for people to ever pay back their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called XXXX XXXX XXXX to dipute credit card information that was incorrect on my credit report on XXXX 2017, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to Equifax to have account remove from credit. its has been more than 90 days and information is still listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit card protection / Debt protection

Complaint: I am a XXXX who most of my life worked either as a XXXX, a military XXXX, or a XXXX. I accidentally learned through my Internet searches of the class action suit against Bank of America ( BOFA ) and its Credit Plus Protection Plan which ended with a settlement approved by U. S. Judge XXXX XXXX, which, in my opinion now, did not fully free the class members from having to pay the fees and interests incurred. I began my Internet searches after a year of communicating through letters and telephone calls with BOFA and they refused to stop reporting the credit card in question to the Credit Reporting Agencies. When I came across this class action suit, my thoughts led me to see that these were people wrongly treated with the Credit Plus Protection Plan just like me. It is only now after a closer look at my file on BOFA that I have determined I was never notified of the class action suit and, therefore, never opted in. Therefore, I want justice in the form of BOFA to stop reporting this credit card to the Credit Reporting Agencies ; that is the long, overdue justice that I seek.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid a full payment to my Walmart Credit Card and my credit score did not increase because it still showed the full balance remaining on my credit score. I feel this is fraudulent and needs to be reported so it dont happen again

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 01-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a Barclays Bank VISA card, which I DID NOT apply for. I called the Barclay bank and talk to the " Relation Manager '' and she stated the applications was generated at an XXXX in XXXX CA.on XX/XX/2016. She forwarded this fraud to their fraud division for further investigation. The application had the correct social security and my home address, but INCORRECT mother 's maiden name and cell number. I immediately contacted and filed a report to " www.identitytheft.gov '' and also contacted and place a fraud alert to all my banking institution. Also contacted Social Security Administration and they lead me to the Office of the Inspector General, and I also filed a report with them. I filed a fraud alert to the XXXX major credit report organization ( XXXX, XXXX, and XXXX ). At this point I wanted to file a fraud alert to all governing parties that deal with Identity Theft. Is there anymore I can do? According to SSA, changing my social security number is close to impossible. 
Please advise.

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 09/22/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been working with XXXX XXXX XXXX 's collection agency Transworld Systems Inc, and through my bankruptcy XXXX and Transworld agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and Transworld lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with Transworld Systems. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. XXXX has never answered the complaint or contacted me. XXXX has disappeared and seems to not be honoring the agreement. I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. My income can not support these payments. I have filed multiple complaints and I need XXXX and Transworld to respond NOT XXXX. They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pan Am Collections, Inc. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: This debt collection want me to pay for a house The i didnt lve there after XX/XX/XXXX i rent this home and my lease i Was over and XX/XX/2015 and i didnt sing another lease and i mover out and They want me to pay The rent on to They rent The house again when i Was not living and that house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX  I received a debt collection for a debt I do n't not owe for  XXXX  from  Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in  XXXX  and added back on without my knowledge. I disputed this debt with  XXXX  and included receipt from  XXXX  for cable equipment that was given back to them and was picked up by a  XXXX  Technician on  XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Victim of Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2016 I received a debt validation notice from XXXX XXXX XXXX stating I owe {$580000.00} for my home. I never got a phone call letter nothing. The loan servicing company is Di Tech. I mailed {$2100.00} and I have XXXX on a suspense account. The refuse to accept my payments and are demanding {$9300.00}. to cure the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation