milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: XX/XX/XXXX XX/XX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted TransUnion. ( followed the same steps for XXXX and XXXX, XXXX  removed the account after their investigation but TransUnion and XXXX continued to report this negative account on my credit report and hence this complaint. <P/>XX/XX/XXXX : I requested TransUnion investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX failure to reply ( provided a copy of the letter that I sent to XXXX XXXX XXXX XXXX XXXX ). <P/>XX/XX/XXXX : TransUnion responded indicating that their investigation was complete and the item was verified. <P/>XX/XX/XXXX : I requested the method/explanation of verification in a very detailed letter. <P/>XX/XX/XXXX : TransUnion responded with a duplicate of the letter received datedXX/XX/XXXX, the only difference was the date. <P/>My request was completely ignored ; at the bottom of the TransUnion cover letter it indicates word for word, " if interested, you may request a more detailed description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' My requests were mailed certified, I am not only losing money but also spending time on detailed correspondence which is not read by a human, this is obvious because I am receiving duplicate automated responses.

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 02/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: RE : Account # XXXX Claim Dear Chase bank, Your bank recently cashed a check from my account ( check # XXXX ) to payee XXXX XXXX. 

The check was mailed but never received by XXXX XXXX yet you cashed the check and removed the funds from my account even though the check was NOT endorsed. 

As a long time customer of Chase bank, Im appalled and XXXX   stricken how a credible bank can commit such an error, and then inform the customer that Im equally to blame because I quote Share the responsibility with the Bank. 

You could have easily returned the funds to my account while you conduct your investigation which Im told can be up to 3 months. But by not doing so, you have eliminated any confidence I have in you as a credible financial institution. 

Be advised that I have filed complaints with several agencies including the CFPB ( Consumer Financial Protection Bureau ). You will undoubtedly be hearing from them in the near future. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing on a mortgage

Complaint: We have requested an AMENDED  XXXX  from a short sale completed at end of  XXXX   XXXX . It incorrectly states " yes '' in  Box  #  XXXX , that we are liable for repayment of debt. We have a signed document from JPMorgan Chase Bank stating that " Any deficiency balance ... remaining on the loan secured by the property above will be canceled. '' Add to that : Mortgage Forgiveness Debt, that Arizona is a non-recourse state and that it was a primary residence un der 2.5  acres on a PMM ( Purchase Money Mortgage ) ( Interest only loan, purchased  XXXX   ) O ur dispute is to have box #  XXXX  state : " No '' - not liable. They are denying our request because " if customer was personally liable for repayment of the loan when it originated or last modified. '' ( It was never modified. )???

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian is reporting inaccurate information on my credit report passed the 7 years statue of limitations ... ... why? ive tried to contact them in regards ... .its against the law to report items for 14 YEARS ....

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 12/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
Enclose are all accounts and account numbers. If you need any other information please feel free to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly secured millions of sensitive and private information, including mine. Equifax waited too long to report the hack to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Rewards

Complaint: I have XXXX amex credit card. I have accumulated reward money on it for year XXXX which were supposed to be sent to me in XX/XX/XXXX month as coupon. I am yet to receive it. 
I wanted to cancel the card because of poor service but I have been told If I cancel the card I will not receive my last years reward coupon. I understand if they would have said this for year XX/XX/XXXX. I felt it was kind of a ploy to keep me from not cancelling the card. 

My card details are as follows name- XXXX XXXX credit card number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX , Equifax and  XXXX  are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from XX/XX/XXXX - XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX , Equifax and  XXXX  to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX    XXXX   and  XXXX  of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 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 , 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 XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX.I do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.

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 08/13/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.

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 06-06-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: EQUIFAX NEEDS TO UNBLOCK MY CREDIT REPORT FILE OR FIX MY CREDIT FILE. I APPLIED FOR A LOAN AND THE CREDITOR WAS UNABLE TO GET A REPORT FROM EQUIFAX. THEY NEED TO FIX THIS ISSUE THAT HAS HAPPENED MANY TIMES BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX I received a letter from Portfolio. The letter states that I owe XXXX XXXX {$900.00}. Account # XXXX. I filed a dispute in XX/XX/XXXX regarding this matter. This issue is dead ... I do n't remember this bill, and if I did { XX/XX/XXXX} it is out of the statue of limitation in the state of CA. I do n't want their error on my credit report. On XX/XX/XXXX there was an soft inquiry ran by Portfolio. They were running XXXX or XXXX soft inquiries a month for years. Please leave me the XXXX along. No more calling from different phone numbers.

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

Complaint: I am currently enrolled in an IBR plan. Navient has gradually decreased the amount of months from 12 to 9 in my plan. For example, my current payment plan began on XX/XX/XXXX and I needed to reapply for IBR by XX/XX/XXXX. I was recently contacted by Navient telling me that I need to reapply by XX/XX/XXXX and that my current payment plan is being " phased out '' and that it will end XX/XX/XXXX, almost a full three months ahead of schedule, and that if I ca n't complete my taxes in time for the IBR calculation my payment will nearly double, fines will assessed, and interest will be capitalized. I told the representative that I understood while I need to reapply for my IBR plan every year, each yearly calculated payment schedule was for a full 12 months and that Navient has been decreasing the payment window and making me reapply every year sooner and sooner. She told me that Navient is trying to " phase '' out the plans and that there was nothing she could do to restore the payment window or move the date for reapplying. When pressed for what I would be fined for, she told me that it was associated with " the cost of moving you ( me ) to a new repayment plan '' and for failing to properly provide required documentation for my current plan. I have no problem making payments for my student loans, but I 'm getting very frustrated that Navient is trying to both cheat the system and trick me out of IBR and collect higher payments. I am XXXX, and while both my accountant and I have started in XX/XX/XXXX on my taxes, they 're usually completed by the XX/XX/XXXX and they 're far from simple. The representative said that my income information must be verifiable, e.g. the IRS needs to have my tax information in their system by XX/XX/XXXX, otherwise I will be " kicked '' out of my IBR plan. It should n't be this hard for a borrower to follow the rules and be told incorrect information. If necessary, I would be very happy to forward to you the emails from Navient detailing the change in dates and payment schedules or to discuss my case with you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with MSW Capital, LLC (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XXXX MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.

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 04-10-2018 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Closing on a mortgage

Complaint: My name is XXXX XXXX XXXX, My Mortgage was closed and paid off as part of a Chapter XXXX Bankruptcy Proceeding with XXXX XXXX which also calls itself Wells Fargo and does business as America 's Servicing Company. The Bankruptcy Case Number that fully cured this debt is XXXX. A notice of Final Cure of this Real Estate Mortgage was fully Acknowledged by XXXX XXXX  AND United States Bankruptcy Court XXXX District of Arkansas which was signed by Judge XXXX XXXX XXXX on XX/XX/XXXX, 2016. Even though my Mortgage debt was completely paid. XXXX XXXX dong business as Wells Fargo and America 's Servicing Company started sending me new Collection notices under several other bank names and servicing companies for the same loan. Wells Fargo and XXXX XXXX even attempted to illegally foreclose on my Home knowing that all debts on it had already been fully cured under the court proceeding. 1 ) I am asking the CFPB to stop Wells Fargo and XXXX XXXX to stop illegal monthly collections on a loan that has already been paid and acknowledged as paid in full in court documents. 2 ) I would like the CFPB to make Wells Fargo and XXXX XXXX to send a XXXX Balance so that I may obtain the Real Estate Deed to the Property XXXX XXXX XXXX XXXX, XXXX XXXX Arkansas, XXXX as the sole and rightful owner. 3 ) I would like the CFPB to investigate Elder Abuse and Fraud by Wells Fargo and XXXX XXXX for knowingly and illegally collecting on a paid debt. US Court Documents confirming the facts stated above are attached. I was taken advantage of and the victim of these financial crimes because I am an elderly XXXX man in my 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 06-07-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from a collection agency in  XXXX     2017  about a debt I owed to  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   XXXX  ). I sent a letter disputing the debt to Transworld Systems In c ( the co llection agency ) disputing the debt because my insurance had n't been applied to the bill. I received a letter from Transworld the beginning of  XXXX   2017  with a breakdown of my medical charges ( $  XXXX  $  XXXX  = {$1400.00} )  and a link to  XXXX  to pay online. I then received a second letter in  XXXX  of    2017  stating that I owe {$1300.0 0} ( afte r insurance adju stments ) and  a link to transworldpayments.com. When I checked my credit the beginning of  XXXX   2017 , it stated that I had an outstanding balance of {$2800.00} broken down into  XXXX  charges all on  XXXX   XXXX ,  2017  ;  XXXX  for {$93.00} and  XXXX  for {$1300.00}. So, they had slightly more than double charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/2018 I discovered two items from XXXX XXXX XXXX XXXX that appears as Debt Recovery Soluti Account XXXX in the amounts of {$1200.00} and {$100.00} had been re-inserted into my credit file. I informed XXXX   that they are required to notify me within ( 5 ) days of re-inserting previously deleted items. I did not receive such notification. Please delete this item immediately

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Auto) with GFS II, LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacting businesses around community asking if I am employed there.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company did not remove the dept from credit report as agreed

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