milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company Pressler & Pressler has been contacting me almost every day, in some instances after XXXX at night. I received notices in the mail that I would be arrested if I did not pay the debt. One time- and only one time did I actually take the call. The gentleman on the other end tried to strong arm me- demand me to pay online, was very rude, and the phonemail ended when it was getting nowhere. Since then- they call and call, and now they sent me a notice that they are suing me for amount due - {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: I would like to file a complaint regarding some unlawful practices Ive experienced with TransUnion. I recently reviewed my credit report, and I noticed some inaccurate information. I made TransUnion aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, TransUnion sent me a letter ( FORM D ) that stated one account had been updated and the other had been verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). TransUnion received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so they should be deleted. In response, TransUnion sent another letter addressing all of the debts ( FORM H ). I found that two of  the accounts I disputed had been deleted, but other accounts were showing results of validation and/or updated. TransUnion still never sent me proof of such validation or any of physical documents in my file that I had requested. 
TransUnion is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they were not able to provide me with the physical proof of what they used to verify these accounts, within the FCRA time frame, they must all be deleted. 

Thank you for all of your help, 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 06/17/2016 about Debt collection (I do not know) with AFNI INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out Sallie Mae loans each of the three years that I attended XXXX XXXX University XXXX ( near XXXX XXXX. Shortly before graduating I developed XXXX that would later be XXXX. At first this meant daily XXXX and an occasional XXXX ( less than once a week ). I sought XXXX attention and at the time was told that the condition was mild and temporary and that it could be easily remedied XXXX. Over the next several months, as I graduated and started looking for jobs things got increasingly worse. I started XXXX more frequently XXXX multiple times a week ), experienced XXXX and some days struggled XXXX. I continued to see a XXXX and was told that we just had to find the best XXXX for controlling my XXXX XXXX and I would be fine. Six months after I graduated I was XXXX almost every day and was told by the XXXX that I could no longer safely drive. As a result I had to move back in with my parents XXXX and was no longer able to look for jobs. I put my loans in forbearance and hoped that by the time the forbearance time ran out ( i had to pay {$150.00} every three months and only one year of forbearance is allowed ) I would be better and able to work. Unfortunately my XXXX has only gotten worse, much worse. I currently XXXX anywhere from 1-3 times each day. Each time I have no warning and as a result I am frequently XXXX. I have XXXX more than 10 times in the last year, and currently have XXXX ( for the third time ) after XXXX and XXXX. I am now in XXXX so that I do not get XXXX and am unable to do much of anything for myself. I now experience frequent XXXX ( I have to sit down and take a break after bathing or even just getting dressed ). I have seen several XXXX and have even been to the XXXX XXXX to see XXXX several times. They have tried ever XXXX that has been known to work and even some experimental XXXX. My XXXX XXXX is still high, XXXX, and my XXXX have gotten worse, not better. I applied for XXXX through Sallie Mae as I am unable to work and most likely will not be able to for a long time, if ever. The XXXX put that if I show any improvement it will be at least 2-3 years before that happens. Sallie Mae denied me XXXX because they claim it is not permanent. However, their definition of a qualifying XXXX is something that will last indefinitely ( can be seen on the first page of the XXXX claims form ). There is not a definite timeline XXXX and as such they should not be able to deny me. They will not lower the monthly payments or work with my family in any way to help us in this time. When i spoke to a customer service representative they informed me that because I was out of forbearance time I had no other options that to just make the payments. At this point I have no idea where to go or what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: XX/XX/2016 CFPB : The Chief Underwriter of TARP Funds Recipient JPMChase has Violated My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement of my JPMChase FRM Refinancing of my FDIC-Conserved LIBOR-Indexed ARM Loan, the day before the Scheduled Closing at XXXX XXXX, and, in fact, has NEVER let me examine it, when I had paid the {$2500.00} Refinancing Application Fee to JPMChase Mortgage Specialist XXXX XXXX XXXX. I need JPMChase to STOP Violating My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement, and, if I accept it, JPMChase and I are to Close, with Effective Closing Date being the Original Scheduled Closing Date. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have had numerous issues with unauthorized inquiries on my account as well as previously deleted information that was reinserted. Well with Experian I have XXXX unauthorized inquiries on my account that were not authorized my me. I have disputed with the credit reporting company to no avail. I have tried contacting the company who placed the inquiries and they do not exist anymore, their phone does n't work and I can not find a partner company or anyone to get in touch with. These are inquiries from the beginning of the year and I am not aware of them. XXXX of them are on XX/XX/2016 and another is on XX/XX/2016 ( see attachment with phone numbers and addresses of non-existent business. I started monitoring my credit around XX/XX/XXXX and I ca n't seem to get any help from Experian other than filing fraud but they will not promise an investigation or removal. i am out of options other than a lawyer so I am asking that this is investigated and that these are taken off of my report with Experian in a timely manner as it is causing lower scores in my credit, could be the cause of me not getting employment or other opportunities to move forward with becoming self-sufficient.

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 06/14/2017 about Debt collection (Credit card debt) with Caliber Home Loans, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Hello, I received a call from an unknown source with a file number. They left a message today  XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back  XXXX  and asked to speak with  XXXX   XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File #  XXXX  and he immediately transferred me to  XXXX   XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed.  One  thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from  XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors  or something similar. He asked me if I would like to handle this debt otherwise they or  Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up  on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number  XXXX , but as soon as I told them that file number, they transferred me right back to  XXXX   XXXX . I got his name, place of business and address before ending the call.   I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you.     Name of Company :   XXXX   XXXX   XXXX   Name of individual and ID : Place of business address :  XXXX   XXXX    XXXX   XXXX    XXXX .  XXXX   XXXX , CA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was for services that we 're not provided, services promised by XXXX XXXX XXXX, bill has transferred from collector to collector to collector because XXXX XXXX XXXX promised a service & a rate, then I was told by Customer Service " the internet service they offfered could not be supplied at the promotional rate that I was promised ''. This amounts 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 02/28/2018 about Mortgage (Conventional home mortgage) with Trinity Financial Services, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: on XX/XX/XXXX, Trinity Financial Svcs LLC, a foreign company registered in XX/XX/XXXX, is acting as the Trustee for XXXX XXXX XXXX XXXX, a company that was taken over by XXXX. This was part of the XXXX XXXX XXXX award in XXXX. The DOJ XXXX XXXX and other banks. There was a 2nd mortgage that should have been extinguished through the modification process award from the judgment and settlement. 
XXXX XXXX XXXX  did not complete the process. They needed to release the lien through the modification that was approved on the first trust deed. The first and the second trust deed were from the same investor. It was a package deal to purchase the property. 
When the XXXX XXXX XXXX was award, the loss mitigation department from XXXX needed to correct and fix the mortgages if the consumer qualified. After applying, XXXX approved the modification as the property was approved to be included as part of the compensation awarded. When I got notified that everything was completed and I didn't need to worry on the 2nd because it was included in the Chapter 7 bankruptcy and it was settled, it didn't occurred to me to follow up on everything to make sure there was no mistakes on the modification. My Trust was in XXXX to get the job done. There was a special circumstances under the XXXX XXXX XXXX from XXXX to extinguish these 2nd mortgages. If the consumer filed a chapter 7 or chapter 13 Bankruptcy the lien was to be extinguished. It was a special program to assist the homeowner and fix the mortgages. When my modification was done, they said I didn't need to worry about anything and my mortgage was correct and fixed. Well it was not because it open the opportunity for a company like Trinity Financial to try and collect money they are not entitle too. They are trying to foreclosure on my property that was declared as a qualifying property under the XXXX XXXX XXXX. They are collecting on a debt that they are not entitle to do so. The Assignment of deeds might be a fraud document that was generated under false circumstances.

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. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.

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 11/18/2016 about Debt collection (Auto) with Jim Bottin Enterprises, Inc (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: COLLECTOR CALLED FAMILY MEMBERS AND OTHERS INN VIOLATION OF T.C.P.A. ( 3 DOCUMENTED CALLS ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX XXXX having on collection since XX/XX/XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for lowe 's since XX/XX/XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XX/XX/XXXX and reported as XX/XX/XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX XXXX XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual Individual Individual [ 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 06/28/2017 about Mortgage (Other type of mortgage) with Seterus, Inc. (CA).
Issue: Unable to get your credit report or credit score

Complaint: This administrative complaint is being submitted on behalf of the borrower by her advocate. Borrower filed bankruptcy chapter XXXX in 2012. The mortgage loan was not included in the bankruptcy. The bankruptcy was discharged. Mortgage loan servicer ( Seterus ) refuses to send mortgage statements stating, " ... the borrowers are no longer contractually obligated on the debt and we are prevented from attempting to collect said debt. ".

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 01/26/2018 about Debt collection (Other debt) with United Credit and Collections Inc. (IL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.

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