milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also, I received a letter stating I contacted transunion to add a 90 days initial fraud alert on my account. That is a LIE because I never contacted anyone, I have only been disputing the unverified accounts so you decided to place the alert on my behalf without my consent, which is against the law. I am requesting for the fraud alert to be removed immediately I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Suntrust XXXX Unverified Account

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 07/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: Hello, I opened an account using XXXX and connected my Bank of America checking account information to my XXXX account. I had an item due to XXXX and XXXX attempted to withdraw those funds from my Bank of America account. The funds were not available and I was charged a NSF fee of {$35.00}. I then proceeded to pay my XXXX balance using a different account. The XXXX system is designed to continuously try and gain these funds from the same account daily until the fee is paid. On Bank of America 's side, these XXXX transactions appear to be continuous withdrawals. XXXX continued to charge my account XXXX XXXX different occasions and Bank of America continued to charge me NSF ( {$35.00} ) fees each time XXXX attempted to collect these funds. I have documentation from XXXX addressing Bank of America of these reoccurring charges and requesting that the {$430.00} in NSF fees be removed from my account. XXXX and Bank of America have been unfair, deceptive and abusive. I demand that Bank of America remove the outstanding balance of {$430.00} for NSF charges that I did not approve by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a Macy 's store card in XXXX 2015. The card was mailed to my home address and before the card reached me, it was stolen and someone made fraudulent purchases worth XXXX of dollars on my account. I have been following up with Macy 's for the last 8 months, provided them information on the case filed, the investigator 's name and contact and the name of the person responsible for the identity theft and yet Macy 's has not taken any corrective action. Every time I call the customer service, I spend XXXX XXXX on hold only to hear their standard reply that the case is pending investigation and will take 60-90 days to resolve. Despite all of this, Macy 's went ahead and reported the transactions to the Credit bureaus and my credit history is ruined. I want the fraudulent charges to be taken off my credit report URGENTLY as I 'm applying for a new apartment lease on XXXX XXXX 2015. The leasing company is going to run a credit check before they approve my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX sent us to a collection Agency, AFNI ( XXXX XXXX XXXX, XXXX Illinois XXXX ) for a {$930.00} balance stemming from XXXX or XXXX XXXX. ( Account # XXXX ) There have been no attempts to collect this debt. We first saw this item on my credit report as part of a refinance attempt in XXXX. 

( 1 ) we attempted to contact XXXX XXXX XXXX to find out what this debt was for. We remember cancelling the service in XXXX XXXX and returned the equipment at that time using the shipping labels provided by XXXX XXXX XXXX. We have no records of this however, as it occured more than 6 years ago. 

( 2 ) XXXX XXXX XXXX can not provide us with any invoices nor can they tell us what this debt was for. As they stated themselves it was over 6 years ago. We have been told many different things by many different depts. and really got the runaround. They have stated they would try and look in their archives to validate this debt but we have not received any notification of this so far. 

( 3 ) We did reach someone at AFNI and after several attempts to get to their " XXXX XXXX XXXX accounts '' department., A XXXX XXXX XXXX informed us that this debt was for the non return of some equipment and that the balance was {$930.00}. We asked him for the invoices or paperwork to substantiate this debt. He at first asked us to send him an email requesting this ( XXXXXXXXXXXX / XXXX ). When I asked to verify this, he recanted saying, he first would put this account in dispute and then go back to XXXX XXXX XXXX to request them to send me this documentation. 

( 4 ) There have been no attempts that i know of to collect this debt since the XXXX time frame. I have purchased a home, and refinanced twice since this time frame and there was never any delinquencies nor any collection account. A credit report from XXXX can verify this information. I have always paid my bills on time and have never been late. 

( XXXX ) I have been informed by my lender that a dispute of this item would not suffice for the new mortgage. There can not be a dispute notated on my credit report. 

My only options right now are either to dispute this item and delay my refinance or pay this item to the debt collector and then try and seek a refund after my refinance. neither are equitable options. I am seeking your help for a timely resolution to this item. I can not believe a collection item like this would magically appear 6 years after the fact. And I can imagine XXXX not being able to substantiate this debt. Can someone at the CFPB help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: My problem is with my mortgage lender Wells Fargo. I continue to get conflicting information from their loss mitigation department in relation to my requests for homeowner assistance programs. One letter  I receive tells me I have been reviewed for assistance options too many times so I dont get another chance to have my information reviewed. A different letter states that my only option is a short sale, but later in the same letter it says that I am not eligible for the short sale program. Another letter states that I am eligible for re-entry review because I have had a definitive change in my financial circumstances. Yet the most recent letter says I cant apply for anything other than reinstatement.  <P/>  XXXX   XXXX  re ceived over   XXXX   XXXX   dollars in taxpayer funded bailout monies. This was  followed up by unprecedented scandal with the fake bank account scam that Wells perpetrated on thousands of innocent account holders. I am not surprised tha t Wells Fargo is talking  out of both sides of their mouth. In an earlier letter sent in response to a Consumer Financial Protection Bureau compl aint, Wells gave one response,  then they sent conflicting information t o US Senator   XXXX   XXXX . I dont know how  Wells Fargo can  get away with this.  <P/> I understand that I have received help in the past and I appreciate it. Nonetheless, I deserve the opportunity for a new revie w. Wells Fargo has obstr ucted the process for over 6 months, and for this reason I want the sale date to be postponed, and I need to be approved for re-entry and a new review for modification, forbearance agreement, restructured loan as well as deferred interest and principal forgiveness programs. I dispute the fact that I have exceeded the maximum number of reviews for assistance and assert that this is a guideline and standard that does not exist. I would like for Wells Fargo to provide a copy of their pooling and servicing agreement for this loan and highlight the specific verbiage that states I cant be considered for any type of he lp. Wells Fargo actually c ontradicts themselves ( please see attached documentation ) in the various letters sent out in relation to this matter, but would like to request a copy of this directive, because I am certain it does not exist.  <P/> I want to stop the games and start the revie w. Wells Fargo has obst ructed access to all programs for well over 6 months and this needs to stop.

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 02-01-2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Transaction issue

Complaint: XX/XX/XXXX I hired XXXX online company to help with marketing of my consulting business. This company`s CEO promised that they will create webinar to generate customers and they will also create affiliate system that I can find partners for marketing. This company created webinar but not for one month as I expected. It took 5 months to do that and only under the pressure from me to finish the job. They charged me every month for {$750.00} and in total I paid {$3700.00} but they did not delivered Affiliate marketing system. 
I contacted Citi Card Company and opened dispute with this provider. The card responded with conditional credit and started long investigation. I sent packages with proof of my claim 3 times and I called to company at least 10 times! Every time when I called I talked to a new person who would tell me totally wrong things. One of them said that my dispute was resolved to my benefits and others did not know anything why it was resolved to provider benefits. 
They finally decided the dispute to provider`s benefit and reversed my conditional credits. They reversed all of them but they did not t even inform me about the outcome of this case. I spent 1 year trying to get money back as it is damaged my small business. I think that Citi card should work faster and better to protect our money from fraudulent providers. 
I found out that on XX/XX/XXXX I was charged by XXXX for {$750.00} dollars again. When I called to Citi card they told me that it is them returned their money for conditional credit. As far as I know all conditional credits were reversed before that. And XX/XX/XXXX Citi charged me again for {$750.00}. It is almost 1,5 years after the beginning of dispute and 1 year after the end of it! 
Please, help me to protect my account from continued charges from Citi card. And teach them how to do dispute job as this process is exhausting and frustrating. I told about that many times but no results.

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 12-12-2017 about Debt collection (Medical debt) with Uptain Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Uptain Group told me through the CFPB that they requested the erroneous collection be removed from my credit file on XX/XX/XXXX. XXXX said the Uptain Group did submit a deletion request, in fact Uptain Group verified the erroneous collection information on XX/XX/XXXX according to 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 04-12-2017 about Debt collection (Credit card) with JTM Capital Management, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At approximately XXXX I received a phone call from a number that I did not know while I was at work. When I got the chance to call back the number the recording stated the company name as XXXX. I further listened to the prompts and then a representative came online say that this was an attempt to collect a debt. I asked the person who said that his name was " XXXX '' to please send me everything in writing so that I could validate this debt. He then states that he can not do this because I had been contacted before by other collection agencies and had a breach of contract with them and that he was a mediator trying to settle the debt before taking this matter to court. I simply stated that I was at work and that I would have to give him a call back. Before I hung up the phone I asked what was the name of the company that he was calling from and he stated that he was calling from " XXXX ''. Once I got off of work I tried to do a business search of this company and found nothing. I did a reverse number search and nothing came up except stating thAt this company was a scam and listing all of the numbers associated with the number that had called me. I then proceeded to call back and spoke with a " XXXX '' no last name. He give me all the legal jumbo saying that we are on a recorded line. I once again asked for validation of the debt in writing and he said that he could only do it if I gave him my banking information and then he would send an email stating that the debt was paid. Once again I asked for validation of this debt to be sent to me and he said that he will note that I refusing to pay the debt and that they will send e my subpoena to show in court

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I opened a checking account for my company in 2012 hoping to get some business I spent on advertisement. A customer sends me a check from a closed account from another state other than Florida, then the bank closes my account and reports ASSUMING that I acted in concert with the guy who gave me the check. In retrospect I can see that I was being setup to no avail because I was not going to send anything unless the check cleared. 

I feel that I have been labeled without proof, besides they have testament of my ethical behaviour when they deposited {$3000.00} that did not belong to me and I called for them to remove the amount ( Because it did n't belong to me ) which eventually they did after 20 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX- is suing me for {$730.00}. I attempted to log into their system to settle the debt. The system, would n't even recognize the account. I tried to find an email address to write them. I could not. Only a telephone number with a horrible automated system. 

On my credit report XXXX stated it is a " new '' credit and listed it as " new account '' this should be Illegal. 

I would gladly have been willing to settle with them, 1 ) attempted to contact me under the FCRA 2 ) Had my account accurately in the system 3 ) had an accurate amount of the balance in the card What can a person do, when a company, sue 's as first point of contact and makes it impossible to contact anyone at that company with a paper trail for court documentation? 

Please Please help ... .Every attorney wants more money than this sum and the Company Knows this.This is extortion and bullying tactics. Pay up, we violated the law, we know you ca n't fight this ... .Pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My sister and Brother in law filed Chapter XXXX on XX/XX/XXXX. On XXXX XXXX, I attempted to settle a $ XXXX dollars mortgage debt since i signed the mortgage documents - with Specialized Loan Services. I was made aware of the past due/collections trough my credit report. The company never attempted to collect from me in the past nor showed late on the report. They asked me for $ XXXX to settle on XX/XX/XXXX, I tried negotiating and each time the amount gest higher and higher. Now, I have the $ XXXX and they wo n't accept it. I am paying the debt being that I did not file for Chapter XXXX and I want the lien to be removed.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed XXXX disputed Experian disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

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 01/26/2016 about Student loan (Non-federal student loan) with GREAT LAKES (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The company in question has contacted me several times to repay a debt. I am currently finishing XXXX studies through an extension from an illness that I sustained when I was enrolled in the XX/XX/2015. I am not presently enrolled, though I have been granted academic permission to continue my coursework as would any student who is actively enrolled. 

In the past, I was granted a deferment/forbearance status by this company when not actively enrolled in classes. This time, they have decided to pursue aggressively a debt repayment on the basis that I was reported by the school as being no longer enrolled. The school and the lender both are having difficulties with communications between themselves regarding the issue -- something that I have personally intercepted with the intention of resolving this issue. 

I have disregarded the lenders contacts on the basis of my history with Great Lakes. I applied for a deferment and/or forbearance in the past several times with Great Lakes and was granted them without delay both over the phone and on the Internet. 

This time around, I applied again and was granted a deferment/forbearance on every loan except for this one, which was locked/frozen, meaning I could not request the same deferment/forbearance that l had requested successfully and without problems in the past. The lender has after several attempts finally emailed my personal email account without a description in the body of my email address -- only included is the sender 's email and contact information. 

I find these practices to be extremely fishy, unwarranted and demonstrative of the use of loopholes for the collection of debt without regard for academic circumstances. I base the reasoning for this complaint on my past experience with these particular companies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company XXXX shows I have an open account balance from XXXX XXXX 2015. I have not opened or have had an account in the past 7 years with XXXX and never had any balances due.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase card services has failed to verify this debt with substantial evidence that this account belonged to me. Upon speaking with their fraud department they said my social, name and address appeared to be correct so hence the account belongs to me. It 's been a long uphill battle to clear my name & when I asked to provide me with how the account was setup and any agreements with my signature to be forwarded they are unable to produce that information. Yet they are reporting to lenders that i owe this said debt that has not been verified

Company response to consumer: Closed with explanation