milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 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: Information belongs to someone else

Complaint: To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.

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 04/28/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: First contact with  National Credit Systems :  This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit.     Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: I 've attempted to freeze my credit record as recommended due to the recent Equifax data breach. 

I 've attempted by phone : By phone : XXXX ( NY residents please call XXXX ) and I 've attempted by website : https : //www.freeze.equifax.com Both avenues proceeded to collect all require data and after having gone through the process, attempt to submit and fail submission of the data. Why they collect data and then fail as opposed to informing others that their system is DOWN is beyond annoying and wasting time. 

Both processes suggest to 'try again later ' which I have and both failed on second attempts after once again going through the process of collecting data.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with M & T Bank for our property located on XXXX XXXX XXXX in XXXX XXXX, California. I send monthly mortgage payments thru online banking with XXXX XXXX XXXX. The XXXX remits payments within the first 3 days of every month. However, M & T Bank keeps sending statements with late charges. I called M & T Bank in XXXX XXXX, and asked about late charge. According to the customer service person, the payment for XXXX, XXXX was late. They give only 10 days grace period. So I sent them the complete payments record for the last 6 months. Non of those payments were late. 
So they remove penalty in XXXX payment, but then added new penalty in XXXX XXXX statement. My wife called M & T Bank and the person on phone XXXX XXXX XXXX said he needs records for the XXXX XXXX and XXXX XXXX payments. Attached you will find copies of those records from the XXXX XXXX XXXX. I already sent these records to M & T Bank by fax, but they have n't removed the penalty yet!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (MO).
Issue: Account opening, closing, or management

Complaint: I have moved from XXXX to XXXX. There are no Chase banking centers here, so I am in the process of changing my accounts to a local bank. I had an IRA CD with chase and did a trustee to trustee transfer to a local bank, believing that there would be no penalty attached as I am XXXX years old. 

Chase charged me {$1800.00} - THEIR PENALTY - for making the transfer. I have already talked to a repesentative and am told there is nothing I can do about it. 

I want to register a complaint anyway because this just absolutely stinks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Settlement process and costs

Complaint: Had a FHA Mortgage with Chase ( XXXX ) I did a Loan Modification with them in XX/XX/2013 in which only about XXXX weeks ago thru a payoff request that I understood that they did a second mortgage on me and remitted amount to XXXX. I am upset and feel like they did not upon approval of loan modification tell me what the product was on how it was going to impact me, Furthermore the XXXX XXXX Department there told me that the XXXX that was separated from my primary and setup as a second mortgage was Satisfied and that I did not owe any amount from the original amount of the loan and assured me that the remaining XXXX was the only debit we had. XXXX never disclosed to us who they were and what portion of my original loan they had. So I want to go after them with a NON Disclosure Act. Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Prepaid card (Government benefit payment card) with Xerox State & Local Solutions, Inc. (VA).
Issue: Fraud or scam

Complaint: My card was fraudulently used for over XXXX worth of transactions without my consent. I opened a dispute with Eppicard on XX/XX/2016. I was advised upon signing and returning the affidavit by XX/XX/2016, that I would receive provisional credit/refund of all charges while the company investigated issue. The company XXXX mailed affidavit to the wrong address, the had to re-maill to me. I mailed the completed affidavit on XX/XX/2016 in which I was told it had yet to be received. Upon speaking with XXXX more customer reps & XXXX level XXXX reps I was advised to fax in affidavit just to be sure it was received by XX/XX/2016. I faxed the paperwork to the # provided by each rep & received confirmation receipt. I then called on XX/XX/2016 and was told by a Rep named XXXX that faxes are not accepted & that I would not be refunded. I then spoke with a XXXX whom stared that faxes are acceptable however they will not refund due faxes take up to 48hrs to process & that will put the paperwork received after XXXX/XXXX/16. I asked her about being escalated to a supervisor or higher up, she refused. I then asked her what can I do to get my money back seeing as I 've done everything I was advised to. XXXX told me I can just wait it out to see if they investigate or get a lawyer & file suit. This card is for my children ( child support ) & eppicards process is completely unacceptable & inconsiderate. The employees are rude and they never seem to give the same or accurate information.

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
Consumer complaint received 05-04-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I XXXX of 2015, I called Sallie Mae to get an issue with a form squared away. My employer, the XXXX XXXX, offers a loan repayment program and Sallie Mae had not filled out a form that I sent them in XX/XX/XXXX. It had been 5 months. Because that issue was addressed, I paid form XXXX of my loans to be deferred until my form went through. The Sallie Mae employer told me the date that repayment would begin, XXXX XXXX, and played by the consent recording, where the date was played again, XXXX XXXX. I agreed and paid the {$50.00}. 
On XXXX XXXX, while trying to refinance my loans, I was told that my loan was in delinquency status because a payment was due in XXXX. I pushed the Sallie Mae employee on why this was changed without notifying me and that I and my XX/XX/XXXX account manager set up a XXXX XXXX deferment pay date. She flippantly apologized for the mix-up, but stated that she could n't do anything to fix it. She said that she would notify her superiors. That employee 's name is XXXX XXXX. 
On XXXX XXXX, I called Sallie Mae again, and the employee I spoke to actually reviewed my account and noticed that there was a mistake, and said that it would be fixed. It has not been fixed. And my loan refinance provider requires a statement from Sallie Mae where my loan is not in delinquency status. And if Sallie Mae had not made their error, I would not be in delinquency status because I would be in deferment. But because they made their error and refused to fix it, I now have to pay for XXXX payments to get out of delinquency just to refinance my loan ( rather than pay for none ). And my fear is that Sallie Mae will continue to drag this process out until it is past my agreed upon ( XXXX XXXX ) deferment date, and then say, " Well, it 's moot now, '' and force me to pay before I can refinance my loans. 
This is the quintessential definition of fraud, a deliberate deception and unwillingness to rectify an error in a timely manner until it is too late. I was played the recording which stated XXXX XXXX. I was told XXXX XXXX. I agreed to XXXX XXXX. And then suddenly, without notice or warning, my deferment date was changed to XX/XX/XXXX. Which is why I am trying to refinance my Sallie Mae loans to leave their awful service. But I am being forced to pay the {$850.00} as ransom because THEY made an error and refuse to fix it within the agreed upon deferment period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. 
XXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. 
XXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. 
I disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX is not being reported properly on my Experian credit report. XXXX 2013, XXXX 2013, XXXX 2013 and XXXX 2013 payment reporting and history do not seem correct. I asked for results of the account review and I never received a proper response.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.

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 07/23/2015 about Debt collection (Payday loan) with Cascade Capital, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. XXXX XXXX XXXX response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried several time to put a freeze on my credit report at Equifax. 

I called the number provided by FTC web site XXXX and that told me that Imy request could n't be done through automated system. 

Then I tried their web site three times to to freeze my report. In each instance I got a message that system is n't available and try later. 

Then I called their newly created call center and I was told they are only directing the call to FTC web site. Nor, could they give me an address for me to send a request for freeze in writing. 

It is very frustrating. I am suppose to leave the country in few day and I am concerned about unauthorized use of my credit. 

All of these incident happened on XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported 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 02-05-2017 about Debt collection (Auto) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have XXXX companies, Credit Collections based out XXXX, MA and CCS Collections both attempting to collect the same amount of {$140.00} that I originally owed XXXX. Both reports are showing on my Credit Report, though it is only a single amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company continues to keep reporting a account to the credit bureau that is not mine it has been removed 3 times and added back to reage the account so they can try to collect for something that was never mine. The account continues to come back verified which there is no way I received a bill from them that had a address that I 've never lived at I contacted XXXX the original owner of this account they told me the account was opened online an was over 7 years old they could n't give me a lot of information or even when the account was originally opened but they said it was n't in there systems I filed a identity theft and this should have stayed removed from my credit I also contact this agency they only gave a bill they never showed proof of signature or anything validating this clam and XXXX no longer owns the account an ca n't give me any information so seeing that the original creditor sold this debt to Diversified Consultants they forfeited their rights to collect any thing from me as well as no one can produce a signature or a address that I 've actually lived at. Also I never agreed or signed a contract with this agency XXXX removed this account from my credit years ago due to me filing this same complaint and sold it to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i have had a debt that was suppose to come off of my report XXXX account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its legally passed the amount of time it can be reported on.I included that credit report to show when they started reporting and when they opened the account for collections

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 02-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I found an unauthorized credit card account, opened XXXX XXXX, on my credit report. It was opened in a town, over a XXXX miles away, that I lived in over five years ago. There were no charges on the account. 

I reported it to Equifax , on XXXX XXXX. Just yesterday, XXXX XXXX, I received their confirmation of dispute completion ; and they claim that they have have verified that it is indeed my account. Now, there are {$240.00} of charges on that card.

Company response to consumer: Closed with explanation