milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX XXXX for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the  debt, including all interest and fees, XXXX. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a  copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a  Certified and True Copy of the original signed agreement or application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The last paperwork that I received from Bank of America said that I was XXXX month behind on my mortgage. I agree. This was in XX/XX/XXXX They sold my mortgage to XXXX and then all of a sudden I was XXXX months behind. I am not sure what happened. I do n't save paperwork because I new where I was with the situation. I am not sure how how these companies work completely. 
I asked for paperwork stating my payments and how they were applied. What they sent me I do n't understand at all. 
Now I tried to make a payment and they would not accept it. 
Please help Sincerely XXXX XXXX XXXX, IL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 experienced a financial hardship several years ago.  My home loan was originally with XXXX XXXX XXXX (XXXX).  XXXX transferred my first and second mortgage loans to XXXX.  XXXX  and I agreed to a settlement for my second home loan.  I had to pay $XXXX within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit.  XXXX kept their word.  However, XXXX and Equifax refuse to adhere to the letter.  I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report.  How should I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both XXXX and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from Experian on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and Experian 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for Experian and XXXX to freeze my credit.

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 08-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the Equifax and XXXX records are still reflecting a {$2500.00} balance owed. I contacted XXXX  to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with Fenton & McGarvey Law Firm, P.S.C. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with XXXX, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX # XXXX, Fenton & McGarvey Law Firm, P.S.C., XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of i dentity theft enclosed is my police report and identity theft affidavit. please remove and block and delete fraudulent files from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Debt collection (Non-federal student loan) with Allied Interstate LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I recently started a job, and today I received this email from the receptionist : Hi, Someone from Allied Interstate , LLC called a couple times today for you. you were n't in the office and I transferred him to voicemail. He chose not to leave a message and called me back a few hours later. 
I suspected this was a solicitor. When you were n't available, he asked who you report to. I asked what it was regarding. The caller became aggressive and would n't tell me what he wanted, saying that what he was calling about did not affect who you report to. He gave me information about a debt that I should n't know about. When I told him you were n't in, he hung up on me. 

This is a new place of business and my boss has mentioned this to me. Places like this want to collect you 're outstanding debt, but this is now reached harassment at the workplace and these tactics have placed me at risk of losing my job. In that respect that means " No job=no money ''.

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 12/26/2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had cellphone service through XXXX XXXX AKA XXXX XXXX. I called them back in XXXX/2014 I am not exactly sure, and I requested the service to be cancel, because I start a new service with XXXX XXXX XXXX. I paid over the phone what they told me it was my outstanding balance, and then, a few weeks later I received a new bill which I dispute with them, but they never resolve, and instead the send me to a collection company ( MCCARTHY, BURGESS & ) who harassed me for several months. I will not accept this charges, because they gave me a payoff amount when I contacted them to close the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: To whom it may concern : I have been paying on my children 's student loan for about 10 years now. During this time I have had many issues with the loans. Here are a few examples of the issues I have had. I had been paying on the loan and then it was purchased by another company. When I contacted the company, they kept telling me to go online and set up a new payment plan. I have also had many forbearance payments and was never informed of an income driven payment plan. In 2008, my husband and I lost our home due to the interest rates rising. We were in difficult times and I had to stop paying for a while. When I called to start anew, I was deferred. I did set up an auto payment and was doing well, paying on time when again the loan was sent to yet another company. I did n't realize this until I noticed for two months I had n't had the money taken out of my account. When I contacted XXXX XXXX I was told it was sold again and I needed to call them. I did try a few times and received such a run around that I just gave up. After quite some time I received a notice for the loan. I called to see what I can do. I found out that I now owe an extra {$10000.00} on the loan. I am worse off now than ever! I did call and the lady was starting to put me on forbearance but she said, " well if you worked for a non profit you could have a income base repayment ''. I am with a non-profit organization and am in the middle of filling out the forms for this. What I am looking for though is help to reduce the outrageous amount of interest in this situation. My XXXX daughter told me about a lawsuit that is in progress against Navient and I would very much like to know if I qualify to be a part of this. I do n't expect to come out rich. What I want is a forgiveness of this loan or at least a large deduction. I believe in repaying my loans, but now I feel I am being bled to death. Thank you in advance for your help.

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 Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as a potential victim according to XXXX. Experian mishandled my information which put me and millions of other people at risk. The requirement of a police report is absurd if they know I have been affected. In addition, they did not notify victims quickly, nor did they notify everyone.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

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 09-07-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (KY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.

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 07/26/2016 about Consumer Loan (Installment loan) with Neighborhood Housing Services of Toledo, Inc. (OH).
Issue: Managing the loan or lease

Complaint: I first filed a complaint on or about XXXX/XXXX/16 about XXXX, and their deputy director XXXX XXXX, but I never heard back from you about this matter. Since that time I have learned that he has instructed everyone at XXXX not to speak to me or even answer my e-mails. 

He is doing everything possible to make it difficult for me to use their home improvement loan in order to get anything done.

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 01/31/2016 about Debt collection (Credit card) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Credit card) with Hood & Stacy, P.A. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid back in the fall of XXXX to a debt collecter, sold again after paid to XXXX and XXXX in XXXX XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and XXXX finally got it clear up and off my credit record bought and sold three houses in XXXX some debt collector name Hood and XXXX XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask hood and XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX

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