milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: What happened is I wrote several letters to the credit reporting agencies XXXX and XXXX and Trans Union and I sent them a copy of my government identification and I requested a copy of my credit report from each of them. They all never responded and none of them ever sent me a copy of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Student loan (Federal student loan servicing) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My monthly loan payments have been inconsistently applied to principal and interest -- with the majority being applied to interest ( in some months XXXX % of the payment is applied to interest ) -- over the past several years, even though my loan is a fixed rate, and the payments were made in equal amounts and on approximately the same day of each month. I have requested my loan documents from my lender by telephone and in writing, and I have requested an explanation from my lender by telephone. The lender has not provided the documents or an explanation of the inconsistent application of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I enrolled in a credit card debt payoff program with XXXX XXXX and my Chase account was settled on XXXX/XXXX/XXXX. However, starting in late XXXX I have been getting calls from a debt collector for money still owed on this account. Additionally, my Chase account is showing up as " in collections '' on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sent a certified letter dated  XXXX / XXXX / 17  requesting the company complete the items requested in the letter to Validate the disputed amount owed.     They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Whenever I try to access my XXXX credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called XXXX and they send me to every department they have without me being able to even notify the correct authority about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my lawyer has been disputing a false inquiry which reported on all three credit reporting agencies all but TransUnion has removed this error.

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 12-12-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was referred to Sally Mae to assist me with paying tuition. With my grandmother being a consigner I was approved right away. I have a total of four loans with Sally Mae. After graduating from college and trying to find employment Sally Mae started sending threatening letters and harassing phones call to me and my grandmother. They even went as far as calling my grandmothers place of employment harassing her. They are wanted almost {$1000.00} a month for payments. As I explained to them I was only making a certain amount an hour and it was impossible to pay what they were asking for. I agreed on my own to pay what I could and they stated " because it is not the amount we want we will still call you ''. I know it is against the law for them to call after I requested not to. However they continued. They said that they do not offer any Income Based Repayment Plans. Sally Mae has called my parents, my aunts and my siblings trying to get ahold of me. This is absurd. I am filing a formal complaint against Sally Mae for harassment. They do not care that I have to survive on my own and can not pay {$1000.00} a month for four loans. The economy is not the greatest and companies are not paying college grads enough money to even pay their bills. Sally Mae is a bully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (GA).
Issue: Trouble during payment process

Complaint: In XXXX of XXXX, we were informed by US bank that our Mortgage payment in XX/XX/XXXX was going to increase from {$1100.00} to ( currently ) {$1200.00}. We were told it would stay that way until XXXX. The explanation was unclear. We are current on our mortgage and have not missed any payments in the years we were under the HARP loan modification program. As of XX/XX/XXXX, we got another notification that it would increase again due to an escrow shortage. I called US bank and spoke with Representative, XXXX who told me this was due to an increase in our homeowners insurance. After speaking with XXXX XXXX, they informed me that there was an increase but only by {$9.00} a month. US bank claims it to be {$38.00} more. There is an obvious discrepancy that we want investigated. We have had a long miserable history with US bank and have no confidence in the integrity of the company.We also had to battle them legally through 6 years of Bankruptcy for errors on their part that were eventually settled. This is our 3rd time complaining against US bank for unscrupulous practices. We owe less on the home and have been current for years so our payments should not be increasing. Please investigate so we can clear this matter up.

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 06/16/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have asked Seterus Inc. to grant a mortgage release or short sale for my property. They have not taken any action to move this process along in the last 17 months. I send them documents repeatedly, they do nothing with them then a representative tells me they have expired. I start the process over and over. I have sent them hundreds of pages of information. They are now proceeding with foreclosure because they are saying it is my responsibility to clear the title for the property for a loan that existed prior to me purchasing the property. I have provided them with my title insurance " hold harmless letter '' and clarified how the title company says these types of issues are resolved. Seterus refuses to act on the information I provided. Then Seterus hired the attorney XXXX XXXX XXXX that has an in-house title company named " XXXX XXXX XXXX ''. I later find out that XXXX XXXX XXXX is the company that issued the title commitment showing a loan not cleared that previously existed before I purchased the property. Because XXXX is working for Seterus I asked Seterus to communicate with XXXX and send them the hold harmless letter I obtained from my title insurance company to clear this matter. Seterus would not do it, but instead sent me a letter saying my mortgage release is denied because I ca n't clear title. I had clear title when I purchased in XXXX. I had clear title when I refinanced in XXXX. This title mistake that existed only was revealed by Seterus in XXXX XXXX. In XXXX XXXX I sent Seterus the hold harmless letter that should of squashed this. They continued to act as if they were accepting my documents and processing either the short sale or the mortgage release, but never acted to clear the title. Seterus and XXXX denied the contract offer for short sale claiming that not enough was offered. The BPO conducted did not use like kind properties as a comparison as there are no comparable in the XXXX for the neighborhood that would suggest a higher value as the XXXX XXXX XXXX XXXX has not rebounded from the mortgage crises. It is highly disturbing that the attorney XXXX XXXX who is principal in XXXX XXXX XXXX that has sister company XXXX XXXX XXXX XXXX is representing Seterus against me. When XXXX XXXX XXXX XXXX has been given the information to clear the title so that the mortgage release can proceed. Seems to me that they are interested More in making money from the foreclosure than helping me proceed with the mortgage release. It is an unbelievable situation because my title company that I have insurance through " XXXX '' stands behind me on clearing the title ; which is why they quickly issued me the hold harmless letter. But yet Seterus refuses to cooperate sending me a letter that I am responsible for clearing the title ; mortgage release denied.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This debt company sent the first coorespondence to me via email at my job and stated they were a debt collector. My work email is not owned by me but instead the company I work for and my assistant opens my email. The embarrashment was overwhelming. When I called and asked why they did n't call my cell or send a letter to my home they stated I gave the email address to verizon so they felt it was okay. By the way, the only reason verizon had my work email is because that is how they confirmed I was eligible for the discount. 

This practice is not at all right and needs to be addressed as it has caused me embarrasment.

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

Complaint: There was a fraudulent inquiry done with XXXX XXXX XXXX XXXX on XX/XX/2018. XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with Transunion and XXXX  as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.

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 06/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National Credit Systems reported an alleged debt to my credit report. The collection account has appeared on my credit report without me ever been notified. It has been on my credit report for over 3 months. 

It caused me monetary damages and ruined my credit score since National Credit Systems reported a " collection account '' to the Credit Bureaus rather than reached out to talk or try to collect a debt first. They never sent any written information for over 3 months the account was on my credit report. 


I disputed the account with the Credit Bureau early in XXXX 2016. I disputed it with the National Credit Systems shortly thereafter. I called them to discuss just today XXXX/XXXX/2016. No resolutions have been reached as of yet. My credit score continues to be ruined. 

I need my credit report cleared and I need to learn about protections under the law that I can enjoy as related to Fair Credit Reporting Act. 

It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks, controls, verifications, or filtering by neither the collection agency or the Credit Bureaus. 

It is the same as anybody- your neighbor, ex spouse, ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you, does not mail you anything, does not take you to courts, but resorts to malice and intimidation that hurts financially you personally and other businesses. 

I say the damage goes beyond my personal wallet as it also hurts other businesses and banks who decide not to do business with me and ultimately any of us in the same situation because of unjustly low scores. 

Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TN).
Issue: Settlement process and costs

Complaint: Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance, the entire lein all fees to be forgiven by them, did not enter into an agreement that settled for " less than full '' balance! Need to be reported that the " full balance '' is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Payday loan () with PNC Bank N.A. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: They say I had a loan and it was deposited into a PNC bank account. I never had a PNC account. Told them this several times but get calls XXXX per day. I am now dealing with bank to verify my non account status. getting calls from XXXXXXXXAll about the same so called loan. I also did not apply for an on-line loan

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Citi AAdvantage Business c redit card customer service people have engaged in actively discriminating against minority business owner customers in charging their annual fees, and purposely using very poor customer service approach to actively  mentally bully minority business owners f rom access to fair use of business credit cards. They use their skillfully trained abusing approach to force minority business owners to close their accounts after paying them the annual fees.     This should never be allowed in the business practice.     As a concrete example, please investigate  Citi  bank customer service people :  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  in the South Dakota Center. In particular,  XXXX   XXXX  admitted that she lied during our conversation. She  deployed  mentally abusing tactic to bully me to close my account to reach her goal to get rid of minority business owners from fair chance to access business credit cards.

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 06-05-2017 about Debt collection (Other debt) with The CMI Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX /2016,  XXXX ,  XXXX /2016,  XXXX , none just now looking at my credit report I had identity theft someone been using my social

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed in a certified letter to Experian with a received date stamp of XXXX/XXXX/16. The letter contained disputes regarding incorrect negative information on my credit report of negative/collection accounts that I would like to get deleted. According to the the Fair Credit Reporting Act, Section 611, ( a ) Reinvestigations of Disputed Information, ( 1 ) Reinvestigation Required, ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In regards to this statement, I have not received any correspondence ( electronically or paper-based ) within the last 40 days pertaining to any information on the results of the investigation and/or any information obtaining proof that the negative accounts listed on my credit report are valid. 

Therefore, under Section 611 ( A ) ( 5 ) ( a ) ( i ) : Treatment of Inaccurate or Unverifiable Information : In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

To summarize, Experian received my letter of dispute on XXXX/XXXX/16 - no correspondence was obtained via electronically or paper-based within the 30-day time frame allowed to re-investigate the claim. I even gave them an extra 10 days for any mailing that may have been sent out on their behalf. Therefore, I believe these accounts should be deleted off of my credit report as Experian did not comply with the standards of the Fair Credit Reporting Act by not supplying verifiable information within the standard time allotted. 

These accounts and their information are attached via Excel Spreadsheet.

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