milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: While this case is about XXXX XXXX XXXX ( which I have received letters like this case has ), it fits best my XXXX XXXX XXXX complaints. In fact, XXXX XXXX XXXX has already supplied a letter dated XXXX XXXX XXXX, stating that the furnished account was correct, they would continue to report it, etc. It was not correct. I was not legal either. Think about that when reading this. My situation falls in between the case below. My case did not make a payment in order to be reported. However, they reported payments were made on time, though I never made any. Using this case, even positive time-barred reporting is barred, whether paid, unpaid, etc. Because Experian was the most specific reporting on this credit account - closed in XX/XX/XXXX - and reported " paid on time '' each and every month of XX/XX/XXXX by an " internal '' upgrade by the furnisher, shows that the credit reporting - BY DATE ALONE - wilfully violated the law. So this case will be added to my other documents against both the furnisher and the credit reporting agency in court. Hopefully, the reality-check of this clear language will speed up the too-slow investigation and reinvestigarion into the details of those 13 months of payment data. Those details are not even admitted to by the furnisher ( U. S. Mail ) a week after I called the Fraud department. Yet, they are right on the Experian credit report I initially received in XXXX XXXX. XXXX other credit reports have variations on this reporting ; such that it could not have been a single furnishing. It was in XX/XX/XXXX, ever month in XX/XX/XXXX ; and in XX/XX/XXXX, too. This XX/XX/XXXX account will be on my credit report until XX/XX/XXXX because the letter by the bank said it will continue to report it - thus causing me to continually dispute it until then - and says it was correctly reported. The case should serve as a " cease and desist '' to Experian for any and all accounts connected to XXXX XXXX XXXX whatsoever ; regardless of what account is furnished!!!!! If the furnisher refuses to stop, then this agency must stop them, based on this case as an umbrella blockage to more disputes. I do not want to waste anymore time trying to explain the clarity of this case XXXX XXXX XXXX to a national bank or to their national major agency that disseminates that error another number of years. 

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. ''

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 02-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid this account to portfolio recovery from XXXX it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also XXXX goes and also reports the same account as ... a charge off they XXXX sold the account to portfolio recovery and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why XXXX still reporting it.. I need some help on this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: I filed a trip cancelation claim with Chase Sapphire Reserve benefit department on XX/XX/XXXX. 
I filed complaints with CFPB & XXXX because the benefit department lied and falsely denied my claim. 
The benefit dept says I am ineligible for refund of the canceled flight because the airline booked my final return flight for me. This is not only not true, it is false and a lie. I have sent them all the documents and proof to show I paid for original and return flight on my own with my credit card. 
My claim no with consumer financial protection bureau is XXXX I have attached documents that would show the original round trip booked on XXXX XXXX with my Chase sapphire reserve card. 
& XX/XX/XXXX statement of my Chase sapphire reserve credit card that would show {$88.00} I paid on XX/XX/XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from Experian proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on Experian reporting of this loan

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 03/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification on an adjustable rate mortgage in XX/XX/XXXX due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On XX/XX/XXXX SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a month ( Hence, 24x a year or 26x a year ). A letter explaining that the pay period is every two weeks was sent on XX/XX/XXXX. Upon calling SPS on XX/XX/XXXX, I was told that they received clarification and all the documents were in to continue the review. On XX/XX/XXXX I called SPS for a status update and they informed me that they needed a letter regarding clarification of the frequency of pay. I advised that I already sent that letter and they told me that they just wanted a verbal explanation. I verbally told them that the frequency of pay was every 2 weeks. On XX/XX/XXXX, I called SPS and they explained that all docs are in and nothing else is needed to continue the review. On XX/XX/XXXX I called SPS for a status update and they advised they needed clarification of the frequency of paystubs. I explained to them that we already verbally told them and wrote a letter. SPS said " O.K. '' and continued the review. On XX/XX/XXXX, they advised me that they just received internal clarification on XXXX that the frequency of paystubs is every 2 weeks. However, they needed more bank statements to verify the frequency of pay. This tactic has been going on since the inception of the loan modification process began. The single point of contact XXXX XXXX never answers or calls me back and I speak to different reps every time I call in that ask for the same documents that we sent in and verified that SPS received them. SPS single point of contact and underwriting team are not reviewing the documents that we send in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have a Chase Sapphire Preferred Credit Card. This month of XX/XX/XXXX, I was charged {$100.00} for interest and on the XX/XX/XXXX I owe {$150.00} for my minimun payment. This is unreasonable. These charges are too high and they keep increasing every month with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed a short term lease while I was in Texas, I was drafted after I already signed the lease but was told ball players could get out of there lease at anytime. I went to the community and advised them of course the lady that was there when I signed the lease no longer worked there and a man advised me no that is not accurate and if I leave I will still have to pay the entire lease which I signed even if they rent the unit out to someone else. So I did I paid every single month to not have any negative remarks against me. When I left I turned off all utilities that were in my name also. Every month the actual rent included trash pick up, water which was a flat fee of XXXX and pest control. I received the ledger of the so called charges and every month per even the ledger reflects the electric being XXXX to highest XXXX which started in XX/XX/XXXX which I was n't there. I should not owe anything to this company. I feel I am being taken advantage of and after paying for a unit I was n't even at. I do not know this for sure but I am sure this company rented it out also and did n't leave it vacant. I and a firm which is trying to help me resolved requested validation of what I paid in and some other information which this company is failing to reply with. Now I have a collection agency Hunterwarfield on my credit and calling me for payment which I do not owe. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with CITIBANK, N.A. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card account # XXXX from CITI from XXXX until around XXXX XXXX and i requested for a closure on reference account # above through a phone call. They offered me a settlement on the account for the balance remaining. I paid the settlement amount as agreed and I am suffering from the negative report they reported after closing the account in XXXX or XXXX XXXX, I want to request for a validation that the negative remarks CITI continue reporting after closing my account was accurate and not a mistake. I kindly request a proof or validation on this account that the negative remarks were accurate and properly reported or timely delete it from my credit reporting account with XXXX, XXXX, XXXX. Thank you

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 04-10-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EQUIFAX IS NOT REPORTING CORRECT INFORMATION I HAD A TAX LIEN THAT WAS RELEASED IN 2014 EQUIFAX KEEPS SHOWING A TAX LIEN AND WONT UPDATE THE FACT THAT THIS LIEN WAS PAID AND RELEASED, THEY ARE ALSO CONSTANTLY REMOVING REPLACING THE SAME REMOVED ACCOUNT A FEW DAYS LATER EXAMPLE : XXXX THEY HAVE ADDED ACCOUNTS I HAVE NO KNOWLEDGE OF LIKE PROCOLLECT. PLEASE INVESTIGATE AND HAVE THIS AGENCY STOP ABUSING THEIR POWER BY REFUSING TO CORRECT INFORMATION THEY KNOW IS FACTUAL. THEY ARE INTENTIONALLY AFFECT MY CREDIT REPORT AND CREDIT SCORE. THIS IS AN OUTAGE THAT AMERICANS CA N'T GET AGENCIES LIKE THIS TO OBEY THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX   2017 , I made a deposit into o ur US b ank account from our  XXXX   XXXX  Account, both accounts located in Arizona total deposit  XXXX . I checked our account to find the deposit listed as other balance adjustments  XXXX . No explaination, no note, nothing indicating as to why??? I checked our  XXXX   XXXX  account and could clearly see that the check had cleared on  XXXX   XXXX ,  2017 . I called  US  bank, I was given the run around and told that fraud placed a hold, gave me the #  XXXX  and trasnferred me, they are closed on the weekends. I call back to customer service, response is that ca n't do anything, asked if I go to my branch can they release with the check showing clearly that the check had cleared  XXXX   XXXX , response, No sorry only fraud can help you quoteing Regulation CC. I called fraud this morning  XXXX  stating that the funds were not available from m y   XXXX   XXXX   account, untrue, check cleared same day, told me the hold was in place for 7 business days, I asked if I could send her the cancelled check, she said no, that I have to go to my local branch, what the heck is going on here. I said that is my money, that I have revceived no notification that they legally  have to send to me, I said I wanted a copy of what ever documentation the fraud department had that stated the funds were not good, she could n't give me that, she hung up on me. Now I have to wait again and contact the local branch at  XXXX   XXXX , This is criminal as far as I am concerned, we have been good customers at  US B ank, now to be treated like I am a fraud is beyond comprehension, Banks should not be able to treat customers that are trusting their money with them this way.

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 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I filed bankruptcy, but paid off my student loan in  XXXX . In    XXXX   XXXX   XXXX  ,  I started getting calls from Navient about making a payment. For over a year, I provided them with written proof and they continued to harass me.     I finally just gave in and paid off my loan AGAIN. They have not followed up with a letter or proof of completed repayment.     I was wrongfully charged. After fighting the issue for a year and never moving forward, I paid them AGAIN. The loan is still not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with EQUIFAX, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This Collections Should be disputes for my credit report. 
This 3r party takes advantages about the situation, There are all Medical Bills Affect my credit score. 
Those bills already take care with my insurance Company. 
Please i need this disputed this Collection bill as soon as possible Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with CITIBANK, N.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Complaint is against XXXX XXXX XXXX, in regards to loan balance is reported incorrectly on all XXXX credit bureaus. Ive requested numerous times starting in XXXX XXXX for XXXX XXXX XXXX to update the balance on my credit account with them. Ive contacted them via phone, from their website portal. I also submitted disputes with all three credit bureaus. As of today the balance is still incorrect. The mount owed is {$870.00}. 
This is an issue for me when Im applying for credit. I cant afford to keep sending certified letters to the credit bureaus requesting for them to update the balance. When I send in email request they never respond. 
Flagship Credit Acceptance was informed to update the balance from XXXX because I would be applying for a mortgage loan. Please assist with contacting the company and getting the balance updated on my account thanks.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV ). I recently went to purchase a vehicle and the dealer XXXX XXXX ( XXXX, FL ) ran my credit and informed me that the above creditor stated that I had an account with them and reported to the Credit Bureaus that it was in collection. Because of this, my dad had to co-sign my loan and pay a higher interest rate because this reported collection impacted my credit score to the point that I could not obtain credit in my name. I contacted this company on two occasions and found that neither parties are associated with the above company ( XXXX XXXX XXXX ) and XXXX reviews shows it is a scam company. I contacted Equifax and they researched the information and stated that they would not remove it. I have never had credit with the above company and it is apparent that Equifax is also not assisting me. My complain is that the creditor ( XXXX XXXX XXXX ) and Equifax are reporting mis-information and are failing to act on my behalf which has cost me additional interest on my loan and impairs my ability to get credit lended to me in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Helvey & Associates (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I have been a customer of BofA for 22 years and I am so mad at how they do their entries on activities in our accounts. Like on XX/XX/2017 my available balance was {$57.00}. I issued a check to XXXX XXXX XXXX for {$50.00} that was presented to the bank on the same day and is showed on my account activity only that they paid the check but made it appear that is still in process so they were able to charge me an overdraft fee of {$36.00} when I have enough to cover that check. And today when I called they were telling me that they were still waiting for a transaction for {$12.00} so they can charge me another fee. I just deposited {$70.00} this morning so I have enough to pay for this. I can see how shady the banks are. What if a customer does not have online banking and can not check their account everyday like me or they do not have a checkbook to balance their accounts. And this is why we need CFPB to help us.

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 monetary relief
Consumer complaint received 10/23/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Closing/Cancelling account

Complaint: This bank is horrible and does not want to help me what so ever they need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or JC Penny since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?

Company response to consumer: Closed with explanation