milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Experian, XXXX and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on Experian is XX/XX/XXXX.on XXXX and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I got a letter from many companies one is : Citizens One Auto Finance I never applied for a Auto Loan with XXXX XXXX They misspelled my name I never filled out any application I have been getting these for day now and I do not know why? I just saw my credit hit by negative and down XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I purchase a XXXX XXXX XXXX Wells Fargo put insurance through their back with out my authorization and they are calling me that I am delinquent on my car and is goin to get reposed I have made every payment on time since I got the car

Company response to consumer: Untimely response
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Can you explain to me the issues surrounding current loans thru Navient and also the issues surrounding Everest loans from Corinthian? Would the loan forgiveness have an effect on my loan amounts with Navient as well? Im confused I would just like some clarity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion and XXXX is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. XXXX was not giving me credit for my mortgage Staten that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX. these credit bureaus are out of hand with this. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Caller keeps asking for someone who does n't live here. Told him not to call again. Calls have increased in frequency. Now there is no one on the line when we pick up the receiver

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a workmans comp the XXXX was due to a XXXX ... a result of a XXXX. XXXX # XXXX .... ( XXXX ) authorization # XXXX ... .an investigation with the FTC will step in if the matter is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Chase 's mortgage statement ( XX/XX/XXXX ) states that we must pay {$9500.00} in the coming month and we owe {$9700.00} in escrow. We do not owe this. 

The NOTE and DEED OF TRUST state that : ( 1 ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( 2 ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( see DEED Section XXXX ). 

The accounting that follows the NOTE & DEED OF TRUST yields Book 1. There is no late payment, and no outstanding mortgage & escrow balance from XX/XX/XXXX through XX/XX/XXXX. 

Chase has ignored the NOTE & DEED OF TRUST and manufactured the above deficiencies ( see Book XXXX : Chase 's accounting ). Could you help straighten this up? 

Chase has been harassing us. They has made 500 - 1,000 phone calls ; and sent & gt ; XXXX letters of default ; & gt ; XXXX mortgage assistance application forms ; and XXXX or XXXX intent of foreclosure notices. We think Chase has been doing this to numerous homeowners in order to bilk them out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo kept taking my direct deposit for fees they say I owed causing my account to always be - {$880.00} then when I had my direct deposit transferred elsewhere they closed the account and put me on XXXX for {$1000.00}, now I cant get a checking account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Medical) with TRINITY HOPE ASSOCIATES (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a call ( XXXX ) from Trinity and Hope Associates on XXXX/XXXX/2015 about a bill in the amount of {$610.00} owed. I asked to check with insurance ( XXXX XXXX XXXX XXXX XXXX South Carolina ) on the issue and gentleman replied he would not that I refused to pay and hung up. I called back and got recording. I left message stating that I did n't refuse payment I had simple ask to check with insurance for more information. On XXXX/XXXX/2015 obtained original number and information on matter from XXXX Hospital and was advise to submit to insurance to see why not paid and to call central billing ( XXXX ) It was then I encountered XXXX from Trinity and Hope. She accessed my files and said the amount owed was {$1100.00}. Since I had no record of bill I agreed to pay amount with my XXXX XXXX Card, fearing that case would be turned over to attorney and fees and penalties would incur according to XXXX. XXXX then conferenced in a representative from my insurance company, XXXX, and while pretending to be canceled by previous request for insurance to submit for insurance to pay. XXXX seemed suspicious but with proof cancel the request to submit. I then paid amount {$1100.00} not remembering the call from day before that quoted {$610.00} XXXX promised to call back the next evening with her associates name XXXX to request reimbursement from my insurance company for the payment made to her company. I have not heard from Trinity and Hope since. Feeling uneasy about situation I called XXXX XXXX that same evening and found that the only charge pending for that day was {$1500.00} to XXXX XXXX XXXX XXXX, name that was never mentioned in call to XXXX. Only Trinity and Hope Associates was mentioned. I was advised by XXXX XXXX to wait until charge was posted before I disputed it. This is what I did, submitting to them all paperwork on this matter. Finding bill from hospital in the amount of {$610.00} I was willing to dispute only the excess charge over that amount however after calling insurance and learning there was never a request for payment from hospital in my name or the billing account listed I decide to dispute the entire {$1500.00} that was charged. My insurance is looking into that matter.

Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, XXXX XXXX, XXXX am Jur XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} Transunion is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.

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 01/13/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (WI).
Issue: Making/receiving payments, sending money

Complaint: I first received a cashiers check from a soon to be employer who contacted me through XXXX XXXX. I was told I would be receiving a cashiers check, to be deposited into my checking account through XXXX XXXX Bank. I deposited the check into my account on a Friday, left it there until Monday. On Monday, I went back to XXXX XXXX Bank to get a cashiers account to transfer to a Chase Bank account ( XXXX that my " employer '' had provided me information to ). I went and got the check from XXXX XXXX Bank, and took it over to deposit in the account at Chase Bank, no problem. But on that Wednesday, I get a call from my bank ( XXXX XXXX Bank ), saying the check ( originally written from XXXX ) was fictitious. I then reached out to Chase Bank to see if I can get information about the account I deposited the check into, or to at least notify them that this fraud act was happening. To which they blew off, and would not even let me speak to a manager about the activity. So this complaint is about the fact of Chase Bank, not working with me to figure out this fraudulent claim. The check I brought to Chase Bank went through so now I am stuck with having to pay off thousands of dollars, of which I had no clue were fictitious. As of right now, XXXX XXXX Bank is making me responsible for paying back XXXX, that I do not have. Nor can I easily pay off such a big amount of money. When called by XXXX XXXX Bank, the worker mentioned multiple times that the responsibility would fall on the bank itself, and not the customer. But is now saying that I have the responsibility to pay back. All of which I have recorded on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint: I have made several attempt to resolve a complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC regarding a Forged contract. I retrieved a copy of the contract from Nissan Motor Acceptance Customer Service. I ask for it because there was a discrepancy in dates from what the rep was showing and what my original contract was showing. I then asked the rep to me me a copy of what she has. I received a document that I never seen before with my " forged '' signature which appeared to be signed by XXXX XXXX ( Finance Manager ) whom I completed my paperwork with on XX/XX/XXXX. I received the lease vehicle and copy of my contract on XX/XX/XXXX. This newly created contract has a purchase date of XX/XX/XXXX which is indeed incorrect. I NEVER returned to complete any additional paperwork and the signature on the contracted date XX/XX/XXXX Is certainly not mines ( This can be compared to the original documents with " my '' personal signature ). 
Further more I brought this to the attention of the General Manager XXXX XXXX whom I had a conversation with. He tried to steer me away by advising me to file complaint against the x employee ( XXXX XXXX ) However I reminded XXXX XXXX that the employee represented the company ( Nissan ) at the time and technically because this is a forged contract should be viewed as a VOIDED contract. XXXX XXXX states he would call me back on XX/XX/XXXX with some possible solutions. To date I have received no return call. I have also reached out on numerous occasion after the forth only to be hung up on by XXXX XXXX ( General Sal Manager ) whom I have also spoken with regarding this matter. My calls are currently being ignored. This is poor & unprofessional business behavior. In addition to calling I have even gone to the location only to be told the managers are in a meeting. 
I have since recently filed a complaint with the Attorney Generals office regarding this matter. This has been very stressful to deal with and has caused a negative impact on my health. I do not intend to or will ever purchase another Nissan vehicle. ( This is my 3rd ) and quite frankly I have had poor experiences each time with them all. So the sooner I can terminate my relationship with Nissan the better I will feel and happier I will be. I do plan to seek legal representation if an agreement can not be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: They have made it IMPOSSIBLE to get my FREE report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX I Spoke With Guy With Portfolio About How To Get This Account Off My Credit. He Let Me Know If I Pay The Amount They Are Offering Then The Account Will Be Removed. XXXX Account Still Showing On My Report. XXXX I Sent A Letter To XXXX And XXXX. XXXX I Called Portfolio To Figure Out What 's Going On. Spoke To A Lady Phone Hung Up On Me. I Called Back Spoke To Other Lady, She Said She Could n't Help With Removing History. Then I Was Passed To The Manager, Pretty Much The Same Thing. Then The Phone Hung Up. 


I Paid The Debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

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. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had issues with Navient. I applied for a loan back in 2007 and XXXX school when I was a XXXX that left me XXXX. I have been trying to repay my loans but due to the XXXX it has been hard to maintain employment. Because of this I have a limited income that is barely enough to even live on with none left over for anything else. The have continually pushed for deferment which only makes it cost even more in the end keeping me in the loop for an even longer time than usual. I have also asked that they remove the co-signer from the account be cause it is unfair to them to have their credit effected due to me being XXXX. I have also learned that Navient is under investigation for doing these very things to XXXX patrons of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.

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