milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I noticed a recent derogatory report on my credit reported on XX/XX/XXXX. I looked up the company that issued the report ( COMMONWEALTH FINANCIAL ) and asked what this was in reference too. The representative stated that this was from a hospital stay from XX/XX/XXXX. I have a problem with this mainly because I was issued a county relief on the medical bill due to my being out of my county during the emergency and was indigent. Also I was never notified in writing of this debt which is now preventing me from getting a home again which I lost along with my company I owned after my medical emergency which has presented a severe hardship ongoing for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I do not have a case number. I have tried to dispute the information on my Equafax but I can not sign on. The website does n't reconize me. When I try to call I hold for 15 minutes then get disconnected because " they are responding to a large amount of calls ''. I have tried to go on the website and chatting with a representitive and they just apologize and tell me to call again. My credit report does not show my bankruptcy, all depts are still being listed as charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am unable to pay the full amount required for my private loans. I asked for a decrease and they only offered a XXXX dollar reduction. I am only working part-time. They said there are no other options at this time. I said, " So you 'd rather I pay nothing? '' and she replied, " You ca n't call a bank and demand your loan payment be lowered. '' She then stated it will " hurt me '' if I do n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/2017 my Chase bank account had online fraud most likely from my laptop computer. The amount was {$1300.00}, which was the exact amount I had left In my account. They were able to transfer the full amount of money that I had left in my account to a bank called XXXX. About two weeks later I was able to get my money back from Chase, after going through the claims process after they believed someone was able to hack my online banking information. 

Yesterday morning I woke up and Chase had taken the full amount from me again. After sitting on the phone with Chase for over three hours, they first lied to us and said it was because of husband 's paycheck then we find out they actually have decided that they decided the fraud happened on my device and that means I am the one that sent all of my money away. When I ask who my money went to or what, all they will tell me is a credit card. I have never had a credit card! 

This is obviously online fraud and someone was able to hack into my computer, into my online checking account. But because Chase believes I did it, I am now left with no money in my account to pay my mortgage, bills, and many many other things. I have talk to every person they said I could talk to. They told me they had no more help for me and I could would just have to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it.

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 11/16/2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Managing the loan or lease

Complaint: They sent me a bill for excess miles on a lease. According to my agreement of the new lease with XXXX, they were supposed to not charge me for the excess miles. The leasing company was taking care of this. Unfortunately, XXXX never forgave the excess miles charge and I paid it, as I did n't want it on my credit report. Apparently, it went to my credit report anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Struggling to pay mortgage

Complaint: My doublewide home and land had already been sold. I don't know the dates exactly, but they wouldn't let me catch it up on payments. The money that I did send XXXX XXXX, they didn't take it off my balance. They did send XXXX XXXX dollars back. They kept the rest because I never saw it.I don't know my account number or loan number. My address was XXXX XXXX XXXX, XXXX, S.C.XXXX My cell number is now XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpayment of the deductible. I never recieved a bill after XXXX. I have no idea why this is in collections they should bill the insurance ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/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 XXXX XXXX XXXX XXXX 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. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( 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 ( furnishers ) 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 XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 12/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: XX/XX/2015, I placed a stamped addressed envelope in my mailbox to mail a XXXX check to our lawn maintenance person. The check was made out in his name. Somewhere, either out of my mailbox or in transit to his address the check was stolen and was altered to read made payable to my lawn man and " another name '' in the amount of XXXX. The check was forged on the back with his name and the thief 's name and cashed ( presented at XXXX ) and the money was taken out of my account. I immediately notified Chase bank and filed an Affidavit of Unauthorized Endorsement or Altered Item with Chase, filed a police report and tried to contact XXXX XXXX on my own. Chase bank told me they will not give me a curiosity credit while the investigation is going on, and they are at the " mercy '' of the other bank ( XXXX XXXX ) to respond to their inquiries. None of these entities will help me. I filed another investigation with the executive office of Chase bank, who informed me I have to wait a minimum of 90 days for a response from XXXX XXXX, then another 30 days after that, if no response is received my case is closed, and I may never get my money back. 
Being an XXXX on a very fixed budget and with very, very little savings, the loss of this money hit very hard. It caused me to incur a lot of debt, late payments, and fees. I feel as though I have no one really trying to help me not only get my stolen money back and find who stole my check, but that Chase bank is not taking any responsibility for their negligence with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Other

Complaint: On XX/XX/XXXX, I requested a credit limit increase on my XXXX XXXX store card managed by Synchrony Bank. I did so using the automated phone system, which asked for my annual income, monthly rent, and desired credit limit. I then found out that Synchrony Bank performed a hard pull on my credit report despite never having obtained authorization from me to do so, either written or verbally, or even informing me that they would do so at any point during the increase request process. I complained on XX/XX/XXXX, and the agent told me that the authorization is in my Account Agreement. No language in the Agreement concerns hard pulls, but when I mentioned this, the agent told me soft pulls had been done away with in XX/XX/XXXX and that all pulls were now hard ones, which is also not true. When I further disputed her asserted facts, she told me she had been doing the same job for 15 years and knew what she was doing. In short, Synchrony Bank refuses to acknowledge they illegally performed a hard pull of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage sent me mortgage statements in XX/XX/XXXX indicating past due balances of more than {$140000.00}, however, Nationstar has deleted the credit line from my credit report. 

OnXX/XX/XXXX, XXXX XXXX 's associate, XXXX called me to inquire if I had an HOA and to verify if it my telephone number was a cell number and if it was ok to contact me on that number. 

Nationstar Mortgage generally refers me to their counsel, XXXX XXXX, to inquire about the status of this alleged account. Nationstar or their counsel will not talk with me referencing this account or advise status. 

I have vehemently disputed this account since XX/XX/XXXX, I have not made any payments or agreed to make any payments. 

N

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Medical) with State Collection Service, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Agents from State Collection Service , Inc. ( SCSI ) have been calling once a month since XXXX regarding an account for which I already have a payment plan set up and am current on. Each time the agent calls I have requested a statement, confirmed my mailing address and have yet to receive any thing in writing from SCSI. After 3 months of requesting statements and receiving no written correspondence from State Collection Service, SCSI has added a collection account to multiple credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Payday loan debt) with ROC Asset Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX, who states works for the collections company, has been harassing me and my family members with numerous phone calls. He contacted my place of work about six times within ten minutes. He contacted my cousin twice, my sister four times, and my brother twice. He then called my cell phone again three times in a row. He told my sister that he was going to file a lawsuit against me for check fraud which is completely false because I have not committed check fraud. I called and left him a voice mail message to please not contact me at my place at work and stop calling my family members. He continues to harass my family members with numerous phone calls telling them all that I am being sued for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company has has reported wrong information on my credit file one date says XX/XX/XXXX XX/XX/XXXX this comany is no longer in good standing with the state of maryland i have attached copy md records to show this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Medical) with States Recovery Systems, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Other

Complaint: I had a defaulted credit card with Wells Fargo in the past. In XX/XX/XXXX, I reached out to Wells and we reached settlement terms to resolve my outstanding balance. They agreed to settle my {$5600.00} balance for one payment of {$3700.00}, if paid by XXXX XXXX. I made the payment as agreed. Its now six months later, and Wells Fargo continues to refuse to update my credit report appropriately. Instead of reporting the account as settled in full with no liability, the are reporting that I still owe them money. I have disputed this account with the credit bureaus 5 times, but Wells continues to tell them I have an outstanding balance. I did my part, but they are not living up to their end of the settlement agreement.

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 01-09-2018 about Vehicle loan or lease (Loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my parking ticket that was received in the city of XXXX XXXX. I should not be receiving this request.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received a letter from  Midland funding saying they validated the debt by sending a bill from another company.midland did not send a contract t hat I signed with them. I do not know this company, I do not owe this company, nor have I ever had any contact with this company.They is reporting to my credit report and so is    XXXX   XXXX   XXXX  ..Two co mpanies can not collect on the same debt..i want this illegal information deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I have another complaint that 's related, # XXXX. I tried to get my XXXX free credit reports because my FICO scores with XXXX of them were XXXX points different. But I was not able to get my FICO score from Experion without paying {$1.00} for it. At no time did the representative tell me that I was signing up for a credit checking service and she told me what to click and where. She never explained I 'd have to cancel the " free '' service within 7 days, nor where I could do so. They charged me {$21.00} for this service that I did not want, did not order, did not ask for, was never told about, and they would not refund the charges. This is the biggest scam going and these credit bureaus are what all the rest of the good people of this country are being held hostage by and being scammed on a daily basis. It 's no wonder the financial systems in this country are in major trouble. 
It 's shameful that people are being ripped off every minute by the XXXX credit reporting agencies that we 're all dependent on for obtaining credit and that this continues daily with no recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Fraud or scam

Complaint: XXXX scheme. 
Perpitrator sends via USPS a fradulent cashier 's check and then asks you to wire a portion of the check via Western Union to the " movers '' who will come and pick up the furniture. Once the money is wired the cashier 's check is cancelled and you are now out the money that has been wired via Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for Trans Union and XXXX to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and Trans Union is reporting an incorrect amount. I have attached documents for proof.

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