milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Transunion has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''. They insist that the item was verified without never doing any verification and they refuse to answer my questions about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law.  Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments. I never had a tax lien with the state of Iowa.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have submitted several disputes to Equifax regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Equifax is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Equifax has not provided me with any VALIDATION OF THESE ACCOUNTS. Equifax constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Equifax what did the company VALIDATE with them, and I have repeatedly been ignored. Since Equifax and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from Fingerhut and Capital One Bank to remove from my credit file. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Transaction issue

Complaint: I am contacting your agency in hopes you can help me dispute my {$10000.00} charge on my Capital One for this fraudulent company called XXXX. I was contacted by XXXX in XXXX about creating an XXXX website. He assured me that XXXX was the right company to build this site for me. I paid him {$5000.00} for this XXXX website and training on XX/XX/XXXX, and then another {$5000.00} on XX/XX/XXXX. Not once did he tell me that it would be my responsibility to add the pictures and find dropshippers. I find the fact that this information was not disclosed as flat out deceitful and possibly illegal. Four months later {$10000.00} in the hole I have nothing more than an incomplete website that while it may be nice to look at it, it is not the functional XXXX site as I was sold. They are not legitimate and they are incapable of fulfilling their promises. They have illegally obtained my business and I believe I am entitled to a refund since they did not provide the services as described. I tried to resolve this matter directly with them and they ignored all my requests. I sent them a certified letter, I tried to call them and they do not return any of my calls. What kind of company sells you a service and disappear after, leaving you without any answer or support?

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to any all XXXX XXXX XXXX disputes. It puts the emphasis on TransUnion to bar this bank from reporting anything or anything tied to them originally from being reported. This is clear legal language that does not allow such time-barred payments to be reported and the XX/XX/XXXX closing is enough to not drag the investigation on indefinitely.

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 04-07-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Kansas Counselors of Kansas City, Inc. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit report and noticed that this collection agency is listed on my credit report. I first disputed this account with the credit bureau because I do n't recall signing any contract with this company. But when the credit bureau claim to have verified this I called them asking to send me all documents they have used to verify this alleged account in which they have failed to do so I send Kansas counselor a letter certified with return receipt in which they are still reporting on my credit report without proper validation showing competent evidence bearing my signature showing that I have some contractual obligation to pay them. I refuse to receive a itemized bill and suggest that they provide any documents that grants them authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Also since this is a medical account I requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.

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 02-05-2018 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Don't anything about this debt from XXXX. Have not received notice about debt at anytime, so I could had a chance to disputed it.

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 02-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/2016. Navient received a check I sent them for {$15000.00}. I know this because I have a return receipt from the the post office which is dated and is stamped by Navient. I called on XXXX/XXXX/16 around XXXX to enquire why the check has not been posted to my account. They said they have n't recieved it. I spoke to a supervisor by the name of XXXX. She asked me to fax them the return receipt and to verify if the check had been cleared with my bank. The check has n't been cleared.I faxed the receipt to them today. She also said it would take XXXX business possible days for the process. I told her that I wanted to pay Navient as soon as possible and on I do not wish to wait that long. I am now paying for the {$15000.00} loan with my bank as well as Navient.. I need to get this done asap..

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: This is in reference to AMERICAN EXPRESS # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Payment to acct not credited

Complaint: Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 have tried on several different occassions to resolve this issue with the credit bureaus regarding  XXXX  accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am placing this complaint for the mishandling of my repeatedly requests for a modification. In XXXX I was granted this {$200000.00} mortgage originally with XXXX XXXX, in XXXX it was sold to Countrywide and in XXXX sold to Bank of America. In XXXX my husband had XXXX surgery and had to stop working and I had to reduce my hours to become his caregiver at which time we defaulted. Up until this time we had made every payment on time, even paid {$110.00} extra each month towards the prinicipal. In XXXX financially our situation improved and I started applying with Bank of America for a modification at this point we were only 12 months behind. Each time I called for a status I was given the run around, excuses of lost applications, missing docucments, outdated financials, assigned new representatives etc. When I finally received a response in XXXX it was a denial for not qualifying for any programs. I immediately filed an appeal and the application process and stall tactics began again, all the while the arrears kept getting higher! In XXXX XXXX I received a letter saying my mortgage was sold to XXXX and I found myself having to begin the modification process all over again! In XXXX XXXX XXXX denied my modification and foreclosure notice came shortly after. This time I consulted with a not for profit agency who helped me fight. Finally I was approved but being that non of the arrears were forgiven and no principal reduction the new mortgage amount would be {$310000.00} on a house that is only worth {$220000.00} and the monthly payment was going to be 52 % of my net salary! As much as I want to save my home I could n't accept this offer. Financially I am able to pay this mortgage, I have no outstanding debt, my credit score is XXXX, I pay all my bills on time, all I need is an affordable modification! What I do n't understand is why Bank of America was allowed to get away with this. My misfortune happened during the banking industry crisis they got bailed out by the federal government why ca n't the government help the common man keep their home! I built this house in XXXX when I was XXXX years old I raised my XXXX children, this is not a house this is our HOME! All I need is someone to help me fight against this injustice, reduce the arrears that were not my fault and let me keep my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I applied for the Amazon Chase credit card and was declined. A year later an Amazon credit card showed up at my house that I did not apply for. I talked to Chase and they informed me that it was in fact fraud and cancelled the account. I also talked with them at that moment about removing the hard credit inquiry that was placed on my account, this was XX/XX/XXXX. XX/XX/XXXX I was applied once again without my permission. I called them explaining that this was fraud and I did not approve the application. They notated my account and claimed the two inquires would be removed from my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been applied again and again all without my permission. Again I have called to just be brushed off. I decided to try and dispute the inquires with the credit report but ran into a dead end when they told me to deal with the credit card company directly which has n't been working for me. I now have 6 hard credit inquires on my report that are fraudulent and would like them removed by the company. Someone somewhere within one of those companies has my personal information that they are using at their own discretion. I am concerned with how easy it is to access my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2015 about Credit reporting () with JPMORGAN CHASE & CO. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: " Within five days after the initial communication with a consumer in connection with the collection of any debt, a Creditor shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the Creditor ; ( 4 ) a statement that if the consumer notifies the Creditor in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the Creditor will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the Creditor ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Around the end of XXXX, 2016, I received a Chase ( Amazon Rewards ) credit card with a {$9000.00} limit. I did not order nor apply for this credit card. I contacted Chase to find out what was going on. They told me they knew about it and had received other cards. The woman at Chase gave me XXXX credit alert line. She said she would cancel the card. I was not told who applied for the card. I was given NO information at all. She also mentioned that they may have applied for more than one card in my name. To date, I have not heard from Chase except to receive in the mail a notice of their privacy practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reviewed credit report and multiple unauthorized credit inquiries. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have called and mailed XXXX, XXXX, XXXX, and World Omni Financial Corp. regarding this account on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient also does not allow borrowers like myself to autopay more on their loans. I have complained to them before but have never received a response. You can only pay the minimum amount which also benefits them over time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call from XXXX Linebarger, Goggan, Blair & Sampson, LLP stating that my mother owed {$130.00} in tolls in the XXXX area. My XXXX year old mother has been in XXXX for the past 2 years and has not driven for several years. Also, she has never been to 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all  XXXX  bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may be a    XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

Company response to consumer: Closed with explanation