milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Penn Credit Corporation (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX infamously mishandled millions of Americans private data including my own.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Receivables Management Corporation (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Back around XXXX of 2015, I checked my credit karma score and to my disbelief. MEDICAL BILLS OVER {$4000.00} dollars we in collections! My identity had been stolen a few months earlier as I 'm from Oklahoma. My ID, SS Card, Debit cards, everything had been stolen. I even have contacted the IRS on this matter and have gone as far as contacting the IRS because someone had also been claiming me as a dependent. I have tried to dispute this and they repeatedly keep shutting me down as this is accurate. I need this taken off of my credit report. It 's killing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I just explained the situation on previous page.Chase bank fraud dept.has declined my claim for UNAUTORIZED AMOUNT OF MONEY .This was not in any way a mistake on my part these people stole from me.I sent a copy of my reciept to you.My bank statement has XXXX UNAUTHORIZED CHARGES FROM THIS PLACE THAT IS NO LONGER THERE AFTER JUST 3 WEEKS as i went there myself to confront these guys for stealing from me.These guys charged {$2000.00} that was UNAUTHORIZED AND I WILL NOT JUST LET THEM GET AWAY WITH THIS.Chase has no reason for me why they denied my claim just that they wont reopen it or start a new claim.I will file a police report against these crooks at the very least.I have now seen what this company is all about now that this has happened and they stole my money it was NOT AUTHORIZED and Chase Bank has not protected me instead they are allowing them to steal from people.I will close my account with Chase tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bought a car in XXXX, totaled it XXXX ... On XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... XXXX times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Fraud or scam

Complaint: I listed a vehicle for sale on XXXX. I received a text from a potential buyer who offered full asking price. He sent me a check ( Insurance Company Check ) for {$11000.00} ( car sold for {$7000.00} ) and requested I send overage to the transport company account.
Bank of America accepted the deposit and made funds available immediately.
I transferred {$4300.00} ( I know feel stupid enough already ) to the transport persons account at Bank of America XXXX. 24 hours later BofA took the money out of my account due to fradulent check ( late found out altered ). I requested that they stop and return the funds I had transferred to the account in XXXX. They had the data, it was in the same time frame as when they removed the deposit from my account, yet they could not stop or refund my transfer. Two lessons learned here. 1. ) be more diligent in this kind of transaction and 2. ) do n't trust Bof A, all they give is lip service.
PS : Yes, there is an active case with Phoenix police, however, I do n't have any expectations of them finding and prosecuting anyone.
PPS : Have another sale of the vehicle that follows the same pattern, but BoA unable to work with me to track and try to catch these human slugs.

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 05/20/2016 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a fixer upper and was convinced to use a XXXX Loan program by telling me false claims of the programs ability and features. The Mortgage officer lead me to believe I had to use a contractor off a supplied list and this gave the bank a special relationship to work with them concerning schedules, deadlines and any disputes, these were all lies. Now that I 'm XXXX years in to a project I was lead to believe would be 6 months or penalties would be assessed I have a unlivable home in need of XXXX in structural repairs to the new construction that was done incorrectly and another XXXX in new damages. The bank said good luck with that and they are n't going to help and they do n't have any resolutions and mitigation abilities as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (NC).
Issue: Managing, opening, or closing account

Complaint: For my job XXXX. These profiles are not used anywhere other than in our testing environment. 
Today I received a XXXX XXXX paycheck card from a company called netSpend. The card is associated with XXXX of my XXXX, but it has my personal home address on it. 
There is no way this company obtained this profile through legitimate sources. I tried calling the company but was not able to get through to anyone. 

Account number is XXXX XXXX XXXX XXXX Name on the card is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Other mortgage) with Signature Mortgage Inc of Indiana (IN).
Issue: Application, originator, mortgage broker

Complaint: I was overcharged for an appraisal by Signature Mortgage and XXXX XXXX in XXXX XXXX, IN. The {$520.00} price they charged was {$240.00} more than the " appraisal '' fee listed in the Itemization of Fees disclosure. Further - they also tacked on an " appraisal management fee '' - which I have no idea what that is. Even with that garbage fee, they still overcharged me by {$50.00} above the Itemization of Fees disclosure for the appraisal. I signed off on the Itemization on XXXX/XXXX/16, but XXXX suggested an FHA mortgage on XXXX to which I agreed. They never sent an updated Itemization after XXXX yet XXXX tried to tell me the FHA appraisal was more costly, but she never told me that when she suggested the FHA loan, nor did she explain WHY an FHA appraisal was more, or what an " appraisal management fee '' was. Worse, as the appraisal came in lower than expected, the re-fi did not go through and I 'm out {$520.00} for nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: FILED Chapter XXXX bankruptcy in XXXX. The Chapter XXXX plan was NOT CONFIRMED and was DISMISSED by order ( attached hereto ) of the Bankruptcy court in XXXX. Nevertheless, Experian Credit reporting agency continues to report only the Bankruptcy filing and the dismissal. It does not report the fact that there was NOT a confirmation of the bankruptcy filing as based on the Order of the Court. The Experian Report is incomplete and therefore inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.

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 07-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a cosigner on a private loan for my nephew with navient. My nephew has a job and has made all payments on the loan. The amount is low enough for him to qualify without a cosigner and he has completed the process to remove me from the loan twice now with a confirmation message from navient. However ; I am still receiving reminder messages for payment due and change of their mailing address. When I call to inquire I am either put on hold or disconnected. On XXXX XXXX, I spent almost one hour with XXXX different staff and was never forwarded to a supervisor as requested. Instead I was placed on hold and was disconnected at XXXX without notice. On XXXX XXXX. I called back and spoke with XXXX ( XXXX ) who forwarded the call to XXXX ( XXXX ) a " supervisor '' who answered after 10 more minutes and than placed me on hold for XXXX more without any result. On XXXX XXXX I called at XXXX left a message for a call back. Received a call at XXXX and was placed on hold at XXXX. At XXXX I spoke with XXXX ( XXXX ) was placed on hold until XXXX when the call was disconnected. This is the most horrendous and inefficient " customer service '' I have ever known.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had  XXXX  accounts with    XXXX   XXXX   XXXX    which have been paid off but Transunion will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00} 2.  XXXX  {$5400.00}

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (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: I am filing a complaint with   XXXX   XXXX   and  XXXX . I have sent a tota l of six ce rtified disputes letter to all   XXXX    Credit Reporting a gencies since  XX/XX/17   . In the dispute letter I was  requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required   to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me.  XXXX  of the accounts have been paid in full. There is also  XXXX  accounts on my report from the original creditor and they have been sent to a collection agency. So all  XXXX   Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase admitted to making an error, in regards to the Assignment of mortgage. Also, in regards to communication tactics, JP Morgan Chase stated a message was left via voice mail. JP Morgan Chase claims this message was left on XXXX. I am NOT the legal owner of said number, which could possibly reflect my personal information, in regards to my account could have been disseminated to the incorrect party. My contact information, in regards to prior complaints, was the same then, as is now. In regards to notes on this account, I am in possession of a certified check receipt, issued to JP Morgan Chase, on behalf of the XXXX, on or about XX/XX/XXXX. Also, I am possession of payment receipts made, in regards to this account, from several financial institutions. I have also been able to obtain the exact copy of the VA Streamline application, which was sent to me from JP Morgan Chase, which hereby provides concrete proof of the second mortgage not being subordinated. I have also managed to obtain all copies of my credit reporting files, from XX/XX/XXXX, until XX/XX/XXXX. Inside the body of these credit reports, there are serious, as well as major irregularities, with the manner to which it is being reported. I have also obtained cell phone records from XXXX The time period is from XX/XX/XXXX, until XX/XX/XXXX. JP Morgan states there were several attempts to contact me, via telephone. I am in possession of a letter, sent by JP Morgan Chase, any and all attempts to contact me via telephone, would cease. Also, JP Morgan Chase states I attempted a loan modification under the Soldiers and Sailors Relief Act. Knowing that I left the military, in XX/XX/XXXX, I knew applying for this loan type would be of redundancy. I recently returned from cleaning out my storage area, and every document mailed to me, from JP Morgan Chase, and any party involved in the life of the loan, dating back to XX/XX/XXXX, were in boxes. Uploading of these files are considered cumbersome, as the total size of the files are over 26 gigabytes.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MONEY SOURCE, THE (IA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX, the Money Source incorrectly reported a mortgage account to XXXX. This mortgage was discharged in my bankruptcy, which was filed XX/XX/XXXX. Because the Money Source incorrectly reported the status of the account as Pays as Agreed with a balance of {$240000.00}, my credit score dropped over 40 points overnight. Since I no longer have responsibility for this loan, it should have never reappeared on my credit report. The last time it was reported before XX/XX/XXXX was XX/XX/XXXX, prior to my bankruptcy filing. 

I contacted both XXXX ( filed a dispute online ) and the Money Source ( called them ). I was transferred several times during my call to The Money Source, and finally ended up speaking with a representative ( XXXX XXXX ) in the bankruptcy department. She asked me to email her a copy of the credit report showing the incorrect information. She was not able to tell me what happened, other than she would forward it to the " research department. '' I never got a follow-up confirmation email that the information had been corrected ; however, I got a notification from XXXX that the dispute was resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: The Macy 's payments website did not process my payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,  2017  the compan y Portfolio Recover Associates, LLC. took  me to court regarding an account they purchased form  XXXX   XXXX   XXXX   XXXX   XXXX  for {$1100.00}. This was not my account as a result of identity theft. The day of court  XXXX  2017  the case was dismissed  by Portfolio Recover Associates. They continue to report this misinformation on my credit and refuse to remove it. They  continue sending me Dispute Forms requesting information from me from as recent at  XXXX 2017. They also sent me documentation Stating this account has been resolved and the current balance is {$0.00} and settled. They refuse to remove this from my credit. l left messages with their attorney  XXXX   XXXX  and she has not returned any of my calls. Can you please help me get them to remove this from my credit.   Regards,  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Payday loan () with Acceptance Solutions Group, INC (WI).
Issue: Can't contact lender

Complaint: The lender keeps calling me at work-Has now put my job in jeopardy- Has sent them 3 letters asking them to Stop calling me at work. I have contacted a lawyer also at this time. They called again twice today XXXX/XXXX/16. They have my personal phone number if they need to reach me

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Credit card) with Innovative Credit Solutions (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt collector is refusing to answer the following questions and refusing to remove the account from my credit reports. 
1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed