milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2017 I sent a certified letter to Experian and XXXX   asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the XXXX XXXX XXXX I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).

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 Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I can't get a valid bill or account number from Synchrony.Made a purchase in XXXX XXXX XXXX on XXXX XXXX.  This involved a store credit card through Synchrony to take advantage of the 0% interest for 3 years.Reached out on XXXX. XXXX because I had not received any bills or account information and I wanted to know when the first bill would be due.I later found out that the bill / credit card had not been sent out until the XXXX but the gent I was talking to seemed to not be able to see this information and said that it must have been lost.He began the process to get me a new one and a bill.  I really couldn't care less about the card, you can only use it in the store - I just needed a bill.On the XXXX I received my first batch of mail from Synchrony including a statement (bill was not accurate, only had about half the balance it should have)  with a due date that was very early (XX/XX/XXXX)I reached out to Synchrony amount the incorrect amount owed and they told me that the account number was no good, that it had been canceled and moved to a new account.  I was at this point very frustrated and asked synchrony if I could just do this online since I needed to get payment out quickly to accommodate their due date that was not movable despite all the confusion.  They said yes but that it would require the new account number and they refused to give this to me stating that I would have to wait on it to come in the mail?!!??!?!?!Well I received a new statement the week of first bill being do and it was a carbon copy of the first statement they sent me!  same, unusable account number etc.I reached out to them today to find out what I needed to due, and they argued with me that the statement was correct - despite after checking the account number and showing a XXXX balance ?!?!?!?!

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 03/23/2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (MA).
Issue: Unexpected or other fees

Complaint: For my birthday, my son gave me a XXXX Debit card purchased from a store for XXXX. I held onto the card until I need to purchase something. I went to use the card approximately 18 months later and only had {$6.00} available on the card. I called up the debit company, XXXX, and made a complaint. They apologized and said it was because of inactivity fee. I did not know when given this card there was in inactivity fee. What, exactly, do they have to do for this fee? 
I feel this is an erroneous fee, almost as a punishment for NOT using your gift. 
I would welcome your assistance in trying to recoup the XXXX they kept from me. 
The card number is XXXX. It expires XX/XX/XXXX The security code is XXXX. 
Their telephone number is XXXX Please let me know if you need anymore information. 
Thank you, l XXXX XXXX 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 monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. TRANSUNION - XXXX XXXX - XXXX 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 04/18/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid off my debt in full with CITI bank you has REMOVED this account # XXXX from my credit report completely. Now XXXX - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of citi bank who states NO SUCH account is in their system anymore! 

XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$18000.00}

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 10/31/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit line increase/decrease

Complaint: I recently requested an increased credit line from Bank of America to a total line of {$3000.00}. Over the phone they told me they would see if they could approve me for that level. Instead they exceeded {$4000.00}. Months ago I had requested that they decrease my credit line to {$1500.00} and instead they closed my account and I had to re-apply.

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 03/30/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I received a letter from Chase bank stating they transferred my mortgage to XXXX XXXX XXXX.My house located in Florida is being in foreclosure since XX/XX/XXXXand due to some mishaps from chase the foreclosure could n't being accomplish until this date.It seems to my humble understanding in the real estate business that something is going on that hinders the bank to complete the transaction, good for me by the way.I have tried many times to come to a solution to bring my mortgage to a good stand, but the bank is not cooperating at all, so i being batling against the system on my own and thankfully has being working so far, but I am affraid the time is running out.I need to have a selling document from HUD so I can take them to court ( XXXX XXXX, Chase, XXXX, XXXX and possibly HUD ) to prove something is not right with the time of selling, etc HUD is not cooperating with me and they just give me their website to search for a topic related under the XXXX to fill up a form and send it so I can get the information I need.I have tried with their website, i can not find anything related to what I need.In the mean time I have XXXX banks fighting for my place and none of them have the right documentation.Please I have the premonition something is just not right and I need at least this document from HUD to at least find out who legally owns the property and when it was sold and by whom.My house is not on any real estate listing and is being in this situation for XXXX years, ( I am behind payments since XX/XX/XXXX ) .I paid XXXX of those companies that promise to stop or mediate to avoid foreclosure, but I got robed and lost {$2500.00} Thank you kindly for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . Th is is not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Contacted XXXX XXXX XXXX and XXXX XXXX XXXX and they told me that the information concerning settlement was paid had been sent to Experian XXXX XXXX XXXX in XXXX of XXXX. Experian reply was that they had not received this data from the debt collectors.So I sent to Experian the paid receipt from XXXX XXXX XXXX. Experian reply was that they could n't accept the proof I sent them to make any changes to 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 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Comenity Capital Bank has refused to honor their Virgin America Visa Signature Card sign up bonus. Their credit card bonus terms state : " Earn XXXX bonus points after you make {$1000.00} in eligible purchases within your first 90 days as a cardholder. I have had the card since XX/XX/XXXX. I have spent over {$1000.00} within first 90 days, and the last qualifying purchase posted to my account on XX/XX/XXXX. It is going on seven months since the spend minimum was met. On XX/XX/XXXX, I secure messaged and previously called Comenity and their reps said they will not take responsibility for their own credit card promotion and to contact Virgin America. I contacted Virgin America in XX/XX/XXXX and they also take no responsibility and have not responded with a resolution after multiple calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my home mortgage loan to Carrington Mortgage Company. I have been a homeowner for 20 years and have never been late on a mortgage payment until Carrington Mortgage company took possession of our mortgage loan. I use and have used XXXX to pay my bills for the last 20 years. I schedule my payments and have never had an issue. I always take advantage of the grace period for our mortgage and pay by the XXXX of each month. If I scheduled a bill to pay through XXXX on a certain date, it is always paid on that date. I was scheduling my payments for my mortgage to pay on the XXXX. That was working fine, and then one month they claimed they did n't receive the payment on time and charged me a late fee. After that, I always scheduled it to pay at least 2 days before the XXXX. Now this month I scheduled the payment to pay on the XXXX, XXXX assures me it was mailed and delivered in ample time to arrive at the mortgage company by the XXXX. I checked my bank account and the payment had not cleared and I received a call from Carrington mortgage saying my payment was due. I went ahead and paid the mortgage again so as not to incur a late fee. I strongly believe Carrington mortgage is purposely holding checks from clients who choose to use the grace period and accounting for them after the grace period ends. I am a good customer and a reliable customer. Fortunately for me, I have the extra income to make that payment so as not to incur a late fee or have it affect my credit record. I believe their procedures need to be investigated. I think they are trying to take advantage of people who are opting to use the grace period and charging late fees. I do not believe XXXX to be at fault, I have never had this issue with XXXX in the past and would like to lodge a complaint against Carrington Mortgage for purposely holding payments from those who opt to use the grace period so as to be able to charge additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recenty obtained a copy of my credit report that I dispute Inquiries and Public information. There was unauthorized inquiry made by XXXX company. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Rate Genius Date XX/XX/2016. XXXX. Equifax Mortgage Services Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX CREDIT LLC Date XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Date XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. Tax Lien XXXX XXXX/XXXX/XXXX. XXXX. Chapter XXXX Bankruptcy XXXX XXXX/XXXX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Judgment XXXX XX/XX/XXXX I have disputed XXXX time with them to remove or deleted. The company said they validating credit. This has made my XXXX score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Duvera Billing Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection account just appeared on my credit report. It is not mine. It was removed before as the company was unable to provide debt validation years ago and it has appeared again. There was not any notification at all. No dunning letter. The credit reporting agency did not send me a notice that this is being reinserted after years of being removed. This is not my debt and I want it removed right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called Transunion and they said it is reporting. I have tried to get home equity loan and was told the same thing. Transunion says no reason for that so why ca n't anyone access a credit number. XXXX had told me all my credit was old, which is true but what should that have to do with my credit history. Transunion has told me there are no negative items on my report. I have a charge account with XXXX which has been active since XX/XX/2003 and XXXX said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. XXXX says it 's XXXX fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help

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 08-12-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Purchased a product from XXXX for approximately {$360.00} it did n't work and I returned it. The bill from American Express kept demanding payment for something I returned to the store. I do not owe this money and have never used the American Express subsequent to this purchase, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XXXX, we purchased the home located at XXXX XXXX XXXX, XXXX, MA XXXX for {$490000.00}. At the time, we were promised by the mortgage broker that we would refinance in 3 months-time and get us out of the $ XXXX/month payment. 
o The sub-prime mortgages from XXXX XXXX XXXX, XXXX consisted of XXXX mortgages : XXXX Mortgage of {$390000.00} XXXX Mortgage of {$98000.00} Our numerous attempts in contacting the mortgage broker who told us that we would finance after 3 months would go unanswered. Phone messages were not returned and his when attempting to see him in his office, he was never available. 
In XXXX XXXX XXXX purchased the loan from XXXX, XXXX. 

This is a complaint and I respectfully request that your office provide me with competent evidence that you had the legal right to this property. 

Please provide me the written assignment of mortgage that serves as legal proof of the transfer of the loan from XXXX to XXXX and that contains the following information : The name of the assignor The names of the borrowers The date of the mortgage The original amount of the mortgage The original mortgage recording information The property 's legal description Evidence showing that the assignment of mortgage was recorded in the county records when purchased from XXXX XX/XX/XXXX. 

Here is some information on XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Trouble during payment process

Complaint: Bank of America forced placed insurance on my loan. They sent a lettering claiming that there was no insurance on the property. However, there has never been a lapse of insurance on the property. Proof of insurance was provided to them on several occasions ; once by the insurance company and no less than two times by me. One time was faxed per instruction of the first letter. When the second letter was received I called them and per their instructions uploaded it to their website per their instructions, which was supposed to resolve this issue. When I received an escrow statement for the following year with a negative balance for the period they claimed for no insurance coverage. I do not escrow for anything.

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