milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A Debt in the amount of {$6000.00} from National Credit Systems is being reported on my Credit Report.The Debt in question is from an XXXX I leased. I contacted the company on XXXX/XXXX/XXXX ( Spoke to XXXX ) XXXX/XXXX/XXXX ( Spoke to XXXX, & XXXX/XXXX/XXXX ( Spoke to XXXX ). I requested Validation of the Debt. I asked NCS to show me how they calculated what they assume I owe. The company replied with a lease agreement but no transaction history.By law If you saying I owe a Debt I am legally able to see how it was calculated & NCS & in compliance. Secondly, there are inaccuracies on all 3 Bureaus. Ill explain.On XXXX its reported it was opened on XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, & XXXX XXXX/XXXX/XXXX. NCS is Violating FCRA 609, 611, & 623. Please be mindful I am keeping track of when you received it & who I speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: Chase issued two XXXX cancellations/discharges of debt back in XXXX which I filed with my income tax return for that year ( attach with complaint ). Chase continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called Chase, they told me that they agree that they charged it off, issued the XXXX and will not collect but have the right to continue to show past due amounts. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX I received a phone call to my home landline phone ( XXXX ) from a gentleman requesting I pay XXXX owed to XXXX XXXX. Also that they could negotiate a lesser amount or take payments. I informed him that I did owe a debt 20 plus years ago but that it had been written off. I asked him to cease and desist all communication with me. On XX/XX/XXXX I received a second phone call to my cell phone from a lady over the same debt. Again I told her to cease and desist communication. She told me she would move my file. While I was on the phone with her my son in Texas received a call looking for me over same account. Then we come to XX/XX/XXXX I had a voice mail on my landline and cell regarding they were tracing my identity to get a hold of 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 explanation
Consumer complaint received 09/30/2017 about Mortgage (FHA mortgage) with MORTGAGE CENTER, LC (MI).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I contacted Mortgage Center LLC, as advised by XXXX XXXX XXXX, in regards to a mortgage pre-qualification. When I met with the loan processor I explained I had a foreclosure and that my mother, who lived in Minnesota at the time, and I were purchasing the property. I provided documentation of the Sheriffs sale, as well as a letter from my mother 's insurance company documenting where the down payment was going to be paid from, and was provided a pre-qualification letter from Mortgage Center LLC. 
By XX/XX/XXXX we had identified a property and began the purchasing process, looking to close in XX/XX/XXXX. Throughout the process we were asked for the same documents multiple times. As we approached our closing date, but had not received a clear to close, I was contacted by our loan processor stating she had filed the wrong mortgage application. She filed a conventional mortgage application, but stated she needed to file a FHA mortgage application due to the foreclosure, which was over four years past, on my credit report. She also explained the appraisal that we paid for was not valid through FHA and that we needed to secure another appraisal. 
The FHA appraisal was completed and there were still multiple issues with regards to communication with the mortgage company. My realtor, my mother 's insurance agent, agents of the title company, myself and mother worked very hard to complete the process with the mortgage company, only to have terms change repeatedly. When we finally secured a closing date, we were advised by Mortgage Center LLC staff to pay closing cost with the funds they could validate in our personal accounts and apply for a loan reamortization once we received our funds from the insurance company, as the title company would not accept a third party check. 
The funds were secured from the insurance company and sent to Mortgage Center LLC. We were later contacted and informed they would return our funds as our mortgage could not be modified because it was an FHA loan. We were instructed to apply for a modification in two years and pay all associated fees. The entire process has cost my mother and I additional funds, unnecessarily, due to Mortgage Center staff 's lack of knowledge about their business and professionalism. I am concerned about possible fraud and unethical lending practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter was sent to them last XX/XX/XXXX which includeds all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link :XX/XX/XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (HI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I spoke with XXXX people at Cach LLC. The XXXX was a man who was very threatening and said my husband would go to XXXX, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Taking out the loan or lease

Complaint: I had agreed to a specific payment schedule which was outlined in my retail contract ; upon lien transfer to Chase Bank ( which I had n't even known would happen, and did n't sign any forms for authorization ), my payment schedule moved up an entire month, meaning they expected about a thousand dollars for my first payment. After providing my copy of the signed contract outlining what had been agreed upon, they completely disregarded it. I have been close to defaulting ever since, with all payments being a hair from a month late. Consequently, my credit had been impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Experian refuses to remove or update information regarding the department of education from my report. The over payment debt was paid off and they keep reporting it as part of a bankruptcy and therefore should be removed.

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 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My XXXX Credit Card A/C ( XXXX ) information does not appear on my TransUnion Credit Report. 
1 ) I contacted XXXX - They said XXXX is reporting the A/C information properly to TransUnion. 
2 ) I contacted TransUnion - They said the A/C information is not there. 
3 ) Both XXXX & TransUnion will talk to me independently but not with each other. 
I do not know how to resolve this issue - so I am contacting you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (OH).
Issue: Deposits and withdrawals

Complaint: I pay rent every month for my off-campus college house, collecting rent from my XXXX other roommates. At the end of every month, I deposit {$2800.00}, collected from my roommates, into my checking account to pay rent. In XX/XX/XXXX, my roommate was late on his payment so I transferred {$530.00} into my checking account to cover his portion of rent. When he paid me in cash a few days later, I deposited the money into my checking or savings account at a PNC branch location. When I went to pay rent a month later, I noticed that the {$530.00} deposit made in XX/XX/XXXX was missing from my account. I opened a dispute with PNC and their department said they could n't find anything. I asked if they could do anything further and they said without a deposit receipt, there was nothing else that could be done. I proceeded to ask, " If I handed a teller {$530.00} in cash and did n't receive a deposit receipt, then that teller could essentially walk away with {$530.00} and I ca n't do anything about it? '' Their answer was " Yes, that is correct. '' I found this to be very upsetting because, as a college student, {$530.00} is a lot of money. Their only solution was to find the deposit receipt, which I did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Problems caused by my funds being low

Complaint: Here 's my Chase Bank story. I was reconciling my checking account when I noticed a discrepancy of more than two hundred dollars. I checked the account history and noticed a check, # XXXX, was cashed for XXXX dollars right before the end of the year. What tipped me off to this check was the number. I 'm on check # XXXX now. I do n't right that many checks. This was a check written over 5 years ago to a XXXX tutor for my son. The tutor misplaced the check and requested we send another with my son next time which we did. We still have the e-mail requesting the replacement check. I have had no contact with this person since. When I approached Chase with this issue they assured me the money would be put back in my account that day. It was n't. I contacted Chase the next day and they said they were putting their claims department on it and it might take two days to get the money back in my account. I was contacted by Chase and asked if anyone contacted me regarding the validity of a five year old check and I replied no. The money was put back in the account and I was informed it was still under investigation and the money could be taken back. I asked that they do not take any money out of my account without my knowledge. They took the money back out. I am so done with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries placed on my credit report without my doing during XX/XX/18 - present

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 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am furious about the Equifax Data breech reported to consumers on XXXX/XXXX/XXXX. They are suppose to protect our information as they distribute this information to various financial companies when consumers apply for credit cards, home loans, etc. The very people that hold our very confidential data did not protect us, yet now they say sign up for protection? How ironic. I demand that Consumer Protection go after these people and make them pay for the lack of integrity and responsibility in allowing such a breech to occur. They should be made to pay for this dearly. Yet it will be the individual consumer to be held accountable if their information is used to set up fraudulent accounts. Please be assured that I will also be contacting my senators to complain about such a horrific event that basically opens us all up to potential financial risk without much in regard to individual consumer protections, Outraged in Tennessee

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with All State Credit Bureau, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit.
<P/>
XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed.
<P/>
I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges.
<P/>
It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver.
Sec. 13.
( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant.
<P/>
This process was not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Credit card debt) with National Credit Adjusters, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt was paid in full in XXXX and account was closed as I XXXX after left for the military. Since then I have been XXXX, XXXX XXXX and various states. Since XXXX I have not received any bill, letter or statement. I am not being called asking for XXXX dollars which I do not owe or ever received any bill. The credit company since had threaten to take away my father vehicle and continue to ask for payments and have failed to assist in sending a any bill. I do not owe any money to this comapny and they are treating of serving me to take me to court is their anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fedloan Servicing is the company servicing my consolidated student loan. I have monthly Direct Debit on my account, and have never missed any payments in over a decade. I am in the process of changing banks, and immediately following the account drafting in XX/XX/XXXX I went onto Fedloan Servicing 's website to change my Direct Debit information. At the time I set up the direct debit, it stated it would take several days to set up ; however, weeks later my direct debit did not draft. I logged into my account when Fedloan sent an email informing me I had missed a payment. 

As a result of Fedloan Servicing 's failure to timely establish the Direct Debit for this account, I now have a negative credit report for a missed student loan payment. My husband changed the Direct Debit for his student loans serviced by XXXX on the same day at the same time and had absolutely no issues with the timely changeover of banking information.

Company response to consumer: Closed with explanation