milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over XXXX calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.

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 12/15/2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt needs to be removed immediately. I was told via phone by the original company I was not liable anymore for this as it was paid for. Please remove this from my credit report.

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 03/30/2017 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.

Company response to consumer: Untimely response
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.

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 02/17/2017 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Customer service / Customer relations

Complaint: We are currently past due on our payment to chase card services. 

Their collections and past due department has been calling us between 1 and 3 times a day on both my office line and our cell phones. The only reason we know that it is chase is the callerID information and a google search of the number. ( XXXX ) On the cell phone, the automated dialer hangs up without playing any message or hangs up on the second or third ring. ( I 'm pretty sure that it 's hanging up on the 2nd ring, and the variance is from the cell network ) In the case of the office number, their automated dialer allows the phone to ring exactly one time before hanging up, and disconnects the call 100 % of the time if answered instantly. ( I programmed the office phone system to answer that number immediately and connect to my desk via a conference call. they still drop the call within a few seconds. ) At this point, I just want the calls to stop. 
The office line costs us money for each call, so I called the number back at some time between XXXX XXXX and XXXX to notify them that the dialer was not working and request that they remove the office line from the contact list. 

They did not remove the office number. 

I called the number back for the second time on XXXX XXXX at XXXX/cst to request that they fix the dialer, and informed them that If they did not remove that number from the call rotation I would be filing a complaint for failure to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I continue to get inquires for credit I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from XXXX. They are supposed to respond within 30 days.

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 03/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Misapplied funds. 
On Chase statement date:XX/XX/XXXX under Payment XXXX XXXX it reflects that the total amount due is XXXX, I called Chase for explanation, initially the representative stated that owe them XXXX and asked that i send extra payment to get caught up. 
Couple months ago, Chase with your help got my account straightened out and up to date. I need your help to look into this matter AGAIN. This is very aggravating when I am making all my payments on time. I have my bank statements reflecting all debits. I went back till XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent my XXXX payment last week. My bank and I have records of all my payments. I can provide bank statements if you so desire. Please explain how I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has not complied with any of my legal requests for debt validation, recordings, copies of the note to prove who owns the property. Where the property was recorded. Discharges from the XXXX and XXXX proving they used the XXXX they scammed me for was really used for said purpose. They responded to the CFPB that the XXXX was used to payoff existing mortgages. They sent you a copy of what they filed with the Title company to steal the XXXX. They love scamming the elderly. Again, I live on social security and have recently retired because the XXXX I worked for have retired. I 've been a XXXX for over 35 years. I 've worked in the XXXX. The debt validation letters should follow Massachusetts Fair Debt Collections Practices Act Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided.

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 06-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery Associates.
Opened : XXXX XXXX, 2015 Original Creditor : XXXX XXXX XXXX XXXX Amount Owed : {$580.00} I 've had to block approximately 20 phone numbers due to their excessive phone calls at all hours of the day. I 've asked them on numerous occasions to stop calling me and then they call my mother and my job. This is harassment. At one point, I tried working on a payment plan with them but was told they could not send me proof of receipt. I then decided that I did not want to pay a " creditor '' whom would not provide me with proof of recipient that my balance was going down/ being paid off in installments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.

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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. 
XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I currently have a federal tax lien filed in XX/XX/XXXX on my Equifax credit report. It does not comply with the new reporting standards, and the lien has already been removed from my XXXX report ( was never on my XXXX report ). Their dispute mechanism merely requests verification of the lien and does not include a mechanism for this particular dispute. Please note that in connection with this submission, the summary keeps reporting my birthday as XX/XX/XXXX. It is actually XX/XX/XXXX. It will not correct for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've repeatedly contacted Trans Union regarding my XXXX account, listed as # XXXX The balance and credit limit Trans Union lists on my credit report are both wrong, and despite my submitting copies of my most recent statement to Trans Union on XX/XX/2017, providing evidence of their incorrect information, they continue to list a balance when the account is paid in full and a credit limit much lower than is true.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/2016 a dispute was initiated through the CFPB porthole with respect to erroneous accounts being inaccurately reporting on my Consumer Report and for Equifax failing to provide me with accurate information as to who furnished the alleged accounts per Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). ( See : CFPB ref # XXXX ) A search of the Equifax site revels that the company has not initiated a formal investigation as stated in their response through the CFPB porthole on XXXX/XXXX/2016. ( See : CFPB ref # XXXX ) Equifax continues to violate my rights as a Consumer. ( See : Attachments ) I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Equifax also failed to initiate an investigation after receipt of notice of dispute. Additionally the company has received additional communications from me " the consumer '' during the review of the complaint. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-Greenbelt # XXXX 2 ) US BK Court-Greenbelt # XXXX 3 ) US BK Court-XXXX # XXXX This is my final attempt to communicate with the company to correct their records ; and any information obtained shall be used for that purpose. This is not a statement, election, or a waiver of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hi My name is XXXX XXXX XXXX, I would like to file a complaint concerning credit card debt. I open a XXXX XXXX credit card XX/XX/XXXX issuing bank was XXXX. Card no. XXXX XXXX XXXX XXXX. More than 10 years I was maintain this card well, suddenly I lost my Job and having problem to pay my bill in timely manner. Long time I paid minimum payment. I had {$3400.00} balance, I stopped to pay Individual credit card payment and gave to " XXXX XXXX XXXX, New York '' to handle my credit cards. By this time XX/XX/XXXX XXXX cards sold my account to Midland Credit Management , Inc. See the attached first letter from MCM XXXX it is not welcoming letter, it is threaten letter, you will see a line " Your Experience with MCM will be different, Period ''!!!!, XXXX XXXX XXXX communicated with MCM, they did not agree to settle less than they have balance in the statement. By calling different source I figure it out MCM bought this account " Penny on the Dollar '' and called MCM, I proposed to take 25 % of the total balance but they did not agree with me. 

Now MCM sued me in the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, ph # XXXX, Cause No. XXXX Please help me out for make a negotiation to pay a affordable amount with payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Throughout my XXXX college and university career, I took out school loans equaling about $ 55k through XXXX XXXX which was the only lender used by those institutions. In XX/XX/XXXX, I became aware of the PSLF and inquired about it. I was told to keep paying the loans as there was insufficient information and I was doing what I was supposed to. At some point, my loans were sold/moved to Navient. I contacted them and also shared that I would like to ensure I was taking the steps to be eligible for PSLF. They also confirmed I should continue paying the loans and as we approached XX/XX/XXXX they would have further information. I inquired throughout the years to both companies, I would say annually, and was told I should just keep paying. Over this last year I inquired again and submitted the PSLF paperwork. My application was denied with the reason that my loan was not a direct loan and that XXXX XXXX and Navient are servicers for student loans. How would I know the difference if XXXX XXXX was the only option I had for subsidized and unsubsidized loans through my public institutions AND they both confirmed that I was taking the necessary steps? When I called about the denial of my application, the Department of Education directed me back to Navient to refinance to become eligible in 10 more years??!!! So I was ineligible because I was paying through Navient and was redirected back to refinance again through Navient! This is 100 % disheartening and, in my opinion, something that should be civilly litigated. I am, as are thousands of others who have been jerked around, the target candidates for loan forgiveness. I am a first generation college graduate and single parent who took full advantage of the opportunities afforded to me to excel and chose to give back as a public servant. I have been successful, and by the time 10 more years comes around, it will be highly unlikely I will be eligible due to income. Calculating the interest and extended loans, I am appalled. 100 % unfair and has caused me excessive grief. Excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with Essential Lending Inc (NM).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I used you service, they are at the top of my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.

Company response to consumer: Closed with non-monetary relief