milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only XXXX XXXX removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Resurgent Capital Services L.P. (TX).
Issue: Excessive fees

Complaint: Credit card payment want let settle do I can remove it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Our law firm leased XXXX safe deposit boxes, going back, according to bank records, to 1997. The bank has mismanaged our account records, so that now they do not recognize any of the partners as authorized for safe deposit box access.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has a derogatory mark on my credit stating that I owe them money from when I disconnected service from a home in XXXX. When I moved into my new home in XXXX we got service from XXXX. We paid the outstanding balance to get service started. They never updated my credit bureau to show that it was paid. As a matter of fact they state that it was never paid. That is impossible cause their own policy is that they can not start service with customers that owe them money until the outstanding balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: An inactive that I have had for many years was cleaned out by an identity theft. There were many red flags during the transaction when my money was stolen, and Chase employees ignored them and handed over my money with no attempt to call me or my parent cosigner on this account ( the account was opened when I was very young, over 30 years ago ). The thief had my statements diverted to a gmail account and I had stopped receiving the statements. Since I wasn't getting statements I was not aware of the theft. Since I did not notify Chase about the theft, because I didn't know about it, WITHIN 30 days of the theft, Chase has refused to reimburse me, AND they also charged me {$20.00} per month for this account from the time of the theft to the time I discovered it, because the amount dipped below the {$15000.00} that was the level it needed to have in there to avoid the fee. I have worked with Chase employees at my local branch, all the way up to the " executive branch '' at a national level, and all refuse to accept responsibility and refuse to refund my money. I can't be the only one this has happened to. Chase made XXXX XXXX dollar profit XXXX quarter 2017. What is a nothing amount of money to them is a serious financial blow to me- I was saving that money for my retirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I have not used my Citibank credit card for a period of time. On XX/XX/XXXX, I made a purchase with the credit card. This transaction was successful, but any future transactions were declined. When I called the Citibank customer services, I was notified that my Citibank credit card account was closed on the same day. I did not have any overdue balance and did n't get an explanation why the bank closed down my account. I am concerned that the involuntary closure of my credit card account will affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My Son barrowed XXXX for XXXX school in XX/XX/2005. He was making his payments on his loan until they split the loan XXXX times. Now XXXX portion of the loan is up to XXXX He is no longer able to make the payments on this loan due to him XXXX over this. The harassment and hounding from these lenders is unthinkable. We now have to live our lives without him in it due to his student loans. These people should be held responsible in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: open judgements being investagated since 2011 sill in pending stausnot completedall judgements dismissed with courts

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Sent debt validation notice in XX/XX/XXXX with no information returned.This account is also being reported inaccurately on my credit report. 

I originally requested the following.. 
Proof that the buyer actually purchased this specific account The terms and conditions of the sale of the account. 
original contract, statements, proof of the alleged debt Contract that I have with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed multiple times each day by a debt collection " service. '' They insist on my providing personal identifying information in order to coerce me to pay a debt I do not have. I am over XXXX years old, and this is clearly elder abuse. Please make them stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Installment loan) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Taking out the loan or lease

Complaint: i had a loan from texas auto brokersthen they sold the loan to mid atlantic finance companythen i get a call from XXXX that they have my loan, and can not reach mid atlanticso who do i send the next payment to? im kinda sick of gettin the runaround here and just want a definitive answer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I pay every month  XXXX  for now over 2 years and am not charging anything. I only go in t he Lowes store to make my payment. Lowes is con tiuing to add late fees and finance charges. The only time I have been late was  XXXX     2017  instead of    XXXX   XXXX  ,2017 .    Lowes have called me on my private telephone until I reported them the first time. I have all of my payment receipts and the monthly bills I should be refunded moneys because I was misled and Lowes employees was n't aware of the time limit for suppose promotions.I know that I am not the only consumer that is having these problems from Lowe 's. I am having me dical problems and  XXXX  is all that can pay for these times.   I need for cfpb to take some actions and soon.

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 monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report delinquencies for XXXX account XXXX through XXXX XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XXXX XXXX, income which I subsequently was required to include with my taxable income on my XXXX tax filing. They correctly report the balance as zero, but report delinquent payment history for each month through XXXX XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a XXXX and XXXX mtg XXXX XXXX for my house in XXXX, XXXX I was working for XXXX and forced to quit during the recession in XX/XX/XXXX. I was over XXXX and been in the company 25 yrs and made twice as much as everyone else. I found work but the wage was significantly less and was in XXXX. We could not sell the house so we rented it out for {$1000.00} pr/month and paid the {$600.00} difference in mtg payment. Over the years we paid over {$23000.00} to supplement the rent payments for the mortgage. We emptied out My {$44000.00} XXXX and my wife 's {$20000.00} XXXX to do this. I approached XXXX several times to ask for assistance with refinancing the mortgages. We kept the mortgage payments current. The XXXX mortgage was only 15 year term and could have been extended. They refused several times as we did not live at the house. After several years I asked if we could turn in the keys " in lieu of ''. I was told that XXXX XXXX XXXX prefers to do that with empty homes. So I waited until the rental agreement had run out and the renters moved. Then in XXXX XXXX XXXX I filled out the XXXX paperwork to turn in the keys or short sale. They kept putting me off saying they needed me to fill out a form a different way or more information. I was a XXXX yr XXXX Bank XXXX. I knew how to fill out paperwork. It was designed to put me off. Then I asked about short sale. They told me to get a good offer first, then make a proposal to them. They then sold the XXXX mtg to Seterus mortgage. I continued to fill out and send paperwork and copies of all my financial information, tax returns, pay stubs, bank statements. 

On approx XXXX XXXX XXXX we received a very good cash offer of $ XXXX on a $ XXXX balance between the XXXX and XXXX that my realtor put through homepath. It has been 9 months since I first tried to do this and 4 months since putting through the short sale offer. Seterus has neither approved nor denied the offer. Just a few weeks ago they asked me for more information and XXXX tax returns. Even though they acknowledge that I have previously sent it to them. I have literally sent over XXXX XXXX pages of financials. As you can tell I am extremely frustrated. This can all be verified through my realtor and homepath.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I never recieved any information about this debt, but its reporting on my credit report as late and closed. Its hurting my creditworthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the credit card company and made an offer to settle my account for less than the amount owed due to my circumstance ( recently widowed with overwhelming debt ) I made the offer of XXXX and was told they would accept XXXX which I immediately paid via the telephone. Today I received a bill for the outstanding balance! When I called I was told that the bank did not approve the settlement. When I said I gave the payment and it showed on my account I was told that it was from an agency. I had no idea I was not dealing with the bank since how did this agency have all my information on this debt. I asked for the money to be refunded so I could start the correct settlement on my account and they refused. Now they have my money and I am still in debt and they told me to negotiate. With what? They already have my 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 explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX   XXXX   XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  62  3 ( a ) ( 6 ) Under section 605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (AZ).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/15 money was taking out automatically from my bank and on XXXX/XXXX/15 the company took additional money out of my account without permission XXXX. When I contacted the company and spoke to management they said they can not credit the additional un-authorized money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: I was out of work for a few months in XXXX. I contacted Bank of America to inform them of the issue. Still out of work, I chose to use a credit card to make my mortgage payment. After a couple months of doing this and seeing my debt rapidly increase, I stopped using my credit card. I regained full time employment in XX/XX/XXXX. I contacted Bank of America to inform them that although I 've obtained full time employment, I 'm still not capable to make full mortgage payment. I was told that due to my account being delinquent that I was being sent to foreclosure. I constantly tried to work with Bank of America. I involved NACA and Home Owners Assistance programs. I kept receiving information that stated there 's no proof I live in the property. To which, I told the representative that they all are more than welcome to come over for dinner and see differently. This went on for a year. I routinely submitted the necessary documents to prove my case. As of today, XX/XX/XXXX, I 'm about 22,000 behind in my mortgage and I still want my home. Bank of America is not willing to help me retain my home. Instead they either want the XXXX or the home will go to foreclosure. Because I am still getting the threats of foreclosure, I am choosing to save my mortgage payments in the event I am locked out of my home by the time I get back. Not to mention, the home is not worth NEARLY the amount I owe on it. Homes in the area have sold between XXXX and XXXX. I currently owe XXXX. Even if I choose to do a short sale, I 'll still owe more than the home is worth. To proceed with the foreclosure, the home has been appraised at only 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 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent a letter asking this company to VALIDATE this account and they have failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to J.P Morgan Chase and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
J.P Morgan Chase also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK.

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