milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has been asked to remove a total of XXXX collection accounts that can not be verified by them per section 609 of the FCRA. These are medical bills that are violating HIPAA. The company that is reporting these accounts are XXXX and I have reached out to them by phone and they do not have physical proof that links these accounts to me. They can not produce physical documentation but yet Experian his saying they have investigated and the reporting meets the requirements under the FCRA. This is incorrect. Experian 's feeble attempt to continue to report this information against me is against the law and they need to be fined or sanctioned for such behavior. I have written them and sent letters to them via certified mail. They drag their feet and say they need more ID information even though I sent them a notarized copy of my DL and SS Card and then they continue to stall on what they are supposed to do. I am demanding that if they have physical proof on file showing their right to report the accounts from XXXX against me then send it to me. The documents need to show my signature, they can not send them because they do not have them. I am demanding that Experian REMOVE these items immediately and stop playing games. If a law is in place that protects me against frivolous postings on my report then why are they not following the law? They are making things very difficult because they will not provide proof of their right to report. They simply say the company verified. But when I call XXXX and ask for the original documentation they tell me they do not have it and do not need it. Really? Then how can you say that what you are reporting is accurate, complete and verifiable. I demand these items be removed IMMEDIATELY

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 01/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (SC).
Issue: Account opening, closing, or management

Complaint: I have many inquiries on my XXXX account listed for the year 2015. I have not applied for any credits because of the debt on my credit files. Applying for credits with a debt will lower my credit score. I believe a third party is using my personal information for business.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy was on XXXX/XXXX/09 and cleared. Should be off of my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all three when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (OR).
Issue: Settlement process and costs

Complaint: I spent hours on the phone with BSI Financial representatives discussing options that would provide an alternative to a short sale to my XXXX/XXXX non-traditional mortgage ( credit line ). I submitted a hardship package, including a letter detailing private, emotional details of my life, based on their assurance that the investors would consider a lower negotiated amount to avoid a credit hit that did NOT involve a short sale, given the negative impact this would have on my ability to refinance my primary residence and set up a stable life for my son and me. They agreed that if I could find a way to come up with the sum, they would negotiate a lower amount. 

They did provide a lower payoff, which they promised would not be entered as a short sale. Soon after - only 48 hours before closing, I received the paperwork in which " short sale '' was peppered throughout the documents. I called assuming this was a mistake, so I called to confirm. They told me this was true, that it was a short sale and would impact my credit. So, essentially, they tried to trick me into a short sale, the exact situation I was focused on avoiding. Since then, they have been harrassing my real estate lawyer for the money, even though I still have time. 

I absolutely can not sustain a short sale, which I made clear. I short sale keeps me from refinancing my primary residence, getting a car and just generally getting my feet under me again after a terrible divorce. 

My goal is to find an option that allows my house to sell to my current buyers, which would include me paying the agreed upon lower amount but without the hit of a short sale. 

Thank you in advance for your help. 

Separately, I got this unusual mortgage in 2007. I was wooed into it, along with many other Americans. And, along with those hope-blinded fools, we bought into a dream we could n't afford with a mortgage we just did n't understand. I 'll always remember our agent 's hands excitedly flailing about describing this strategic new mortgage, never truly understanding what it all meant but buying into her excitement and loving the way " upwardly mobile '' sounded as a description for us. Now I am paying for that confused excitement. I feel I was taken advantage of in my XXXX and now it is continuing to happen now, even as I am trying to just pay off the mortgage balance and get my life in order without a credit hit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with Credit Karma, Inc. (HI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Credit Karma is NOT to be trusted! Requested my free credit report & score & know I have a detailed credit report file because I have paid directly to XXXX in previous years & know they have because they delivered said report. I have struggled tremendously via email trying to give more information in order to get report. Also handed over my phone number as well. The other end was completely uncooperative, sent me dead links, & now I completely distrust the integrity of this company & its proclaimed services. Also searched for corporate contact numbers & XXXX number lead to a voice message referring to website ( dead end ) & the other was invalid. 
Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact Credit Karma Phone Number : ( XXXX ) XXXX Fax Number : Website : XXXX : //www.creditkarma.com Email : Email Credit Karma Executives CEO : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
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. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have multiple inquiries not unauthorized by myself XXXX XXXX on equifax and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Student loan (Non-federal student loan) with SOUTH CAROLINA STUDENT LOAN CORP. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I already have submitted a complaint. I am writing further to inform you that the Franchise Tax Board, State of California, has recorded a Lien against my property. This means any sale, transfer or rental is illegal. Pass it on to the subject ( s ) of my complaint. I have no mortgage, nor have I had one ever with Ocwen Loans, or any of the other parties so connected. I am the registered, Deeded owner, and I have sent documents to illustrate this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Basically {$500.00} was taken from my PayPal Account. I 've tried to report it as unauthorized but PayPal sided with the scammer. I did n't receive anything out of this ... No invoice, No receipt, No Shipping address. or proof of shipping. I do n't even know the what the product or service is ... 

According to PayPal : Payments that are invalidated and reversed Payments to you may be invalidated and reversed by PayPal if : You lose a PayPal Purchase Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner. 
Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal Seller Protection. The card issuer, not PayPal, determines whether a buyer is successful when he/she pursues a chargeback related to a card-funded transaction. 
You do not fulfill the transaction as promised or you can not provide proof of shipment or proof of delivery when required. 
eBay decides against you under its money back guarantee program ( and you have n't opted out ). 
Our investigation of a bank reversal ( sometimes known as an ACH return ) made by a buyer or the buyer 's bank finds that the transaction was fraudulent. 
PayPal sent the payment to you in error. 
The payment was unauthorized ( i.e., a credit card-funded payment was made by someone with a credit card that did not belong to them ). 
You received the payment for activities that violated this user agreement or any other agreement between you and PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (I do not know) with ARC Management Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX ARC Management Group {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt  caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARC Management Group {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (TX).
Issue: Taking out the loan or lease

Complaint: Exeter Finance allowed my signature to be forged on documents for a vehicle without my consent and without me being there in attendance. When I approached them they suggested that I submit Identity theft report, I did that, and Exeter Finance deemed my claim frivolous. I 'm demanding justice in this matter. This is my final attempt before pursuing legal action. This is not a request for validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS.

In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.

I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: Chase is inaccurately reporting the status of my auto loan. They have misrepresented my payment history to the credit reporting agencies, after promising to correct it and are trying to collect payments I 've already made. I 've attached proof of payment, and a recorded phone call and proof of my claims.

Company response to consumer: Closed with explanation