milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a card with XXXX closed acct to open a XXXX rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. XXXX sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and experian said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to XXXX for proof of debt and I get nothing, I paid anything I owed XXXX and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to place a security freeze with XXXX via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with Experian and they want to charge me {$100.00} to do so.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
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: To Whom it May Concern, This letter is in response to your recent claim on regarding Wells Fargo XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be  required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. 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 04-02-2015 about Debt collection (Payday loan) with GVA Holdings, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had around XXXX inquiries on my credit report because of XXXX XXXX XXXX XXXX, the dealership submitted my information to multiple lenders without my permission and around XXXX lenders pulled my credit report lending to an abundant amount of inquiries. I reached out to Transunion and was told that I needed to contact all creditors in order to get the inquiries removed. I received a letter from XXXX XXXX admitting they made a mistake in error but trying to contact XXXX lenders and having to explain the nature of the situation over and over again is ridiculous, I have had some luck with some lenders and no luck with others, I would like the credit union help me find a less strenuous way to get all these inquiries removed 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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX CXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Medical) with Budget Control Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: BCS got my check XXXX/XXXX/14 and cashed it XXXX/XXXX/14. They continue to say they did not get this account until XXXX/XXXX/14 which is completely untrue! how would I have their info in XXXX to mail them the check! They are Fraudulently saying that the bill was not paid. I have the cancelled check! This is FRAUD! They are XXXX billing me and threatening my credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Other

Complaint: I signed up for a XXXX that has an annual fee when I was traveling a lot for work and could benefit from the benefits offered with that card. I no longer travel for work and I no longer want the benefits associated with that card and I want to convert it to a card with no annual fee. Chase bank does not offer a credit card with no fee that can be assigned to this line of credit. The only option they gave me is to cancel my line of credit. ( or a card with a lower annual fee which is not acceptable ) This would have a negative effect on my credit rating because my credit usage would go up, and my life of credit would go down, resulting in a reduction of my XXXX score. This is not fair. they are holding my XXXX score hostage. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is n't a complaint about an ATTEMPT to collect the wrong amount, this is a complaint that it ACTUALLY happened. 

I settled with XXXX ( XXXX a debt of {$120.00} for {$100.00} and instead of withdrawing {$100.00} from my account they took the full {$120.00}. 

I promptly called them back about the problem and was told that there is nothing they can do until Monday XXXX XXXX. This happened on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have requested documents numerous of times so my payments will stop. i am unable to make payment to navient. i was told i will receive documents in the mail and my payments will be put on hold. my payment were put on hold for a few months but i never recieved the required documents navient said they will send me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was told by Original Creditor - SYNCB/Amazon that XXXX XXXX XXXX ( XXXX ) is the servicer of this old charged off Amazon store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification. I was denied a modification, and any other types of resolutions due to " discrepancies '' on my application. In order to find out the " discrepancies '', US Bank is requiring me to get a subpoena to find out the basis for me my denial. 
I have consulted with an Attorney who thinks he spots the discrepancy which can easily be explained and proven. When I asked US Bank why ca n't you just tell me the problem and I explain, and their response is " our investors require you to get a subpoena in order to give the reason for denial. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm not sure if this affects me, but I do have my student loans through Navient, I do believe I consolidated my loans through them, when prior they were through XXXX XXXX. I 've had student loans long before 2010, and I 'm not sure how long I have been with Navient. I do know that at the beginning I was forebear ingredients my loans because that is all I knew how to do, but for the last 2-3, years I have done the income base plan, and it is at a cheaper rate, but then I have to defer them any way, because I ca n't pay on them yet. So with that being said, I do n't know if this affects me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my  first two certified let ters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for o n  X/XX/2017 . I  have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Sectio n 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by n ot placing the disclosure within the requ ired 30-day period. As you  have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inacti on ) on your behalf may result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My Federal Perkins Loan was transferred to Heartland ECSI a while ago. I managed to miss a payment at one point, and in addition to the late fee ( totaling a fourth of my monthly payment ) placed on my account, I was charged another {$2.00} for their automatic call system to tell me the payment was late. Nowhere on their website do they list late fees or call fees, and the only place I heard mention of phone call fees was information presented via a computer-generated voice while I was on hold with their customer service after I had already incurred the late, automated call fee. There is a serious lack of transparency from Heartland ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Communications through the mail and phone calls from XXXX XXXX XXXX for XXXX XXXX of {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter dated X/XX/2017

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 04/23/2015 about Debt collection (Medical) with Financial Business and Consumer Solutions. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us.

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 06-01-2016 about Debt collection (Credit card) with Atlantic Recovery Solutions LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Collection agency has repeatedly contacted family members that are frustrated with receiving the harrassing calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion is reporting duplicate accounts for XXXX XXXX both accounts are showing a balance this is incorrect the balance in XXXX acct ending in XXXX original loan balance 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