milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Gragil Associates, Inc. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. 
Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. 
I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing statement

Complaint: I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: Amex Serve has a policy of holding a consumers funds 7 days after a transaction is cancelled. They claim to not have the ability to release the funds even if you submit proof from the merchant that the transaction has indeed been cancelled. I submitted a complaint within the last 3-4 weeks and received a vaguely worded response that in no way addressed my concerns. While I 'm quite sure this practice is not illegal, it is a great inconvenience to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with Roach & Murtha, P.C. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My name is XXXX XXXX and I had a XXXX XXXX XXXX XXXX Credit Card years ago and I fell behind on payments and now i 'm receiving a letter about a judgement filed XX/XX/XXXX from a person saying he works with the law firm Roach and Murtha I paid on the bill as long as I could in the XX/XX/XXXX i was going through economic hardships. why are they sending me a letter about this now 18 years later? Can you look in to this please? the address from the letter is Roach and Murtha attorneys at law, P.C. XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Phone ( XXXX ) XXXX and the person also called me wile I was at work and i could n't answer the phone and left a message a message about any information he collects is for the purpose of debt collection. and he also sent a letter to seize property and any bank account I may have

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been struggling to repay my student loans off. I am currently on an income based repayment plan.I am unemployed due to circumstances I could not control. My payments are currently set for {$0.00} per month and the total balance due is over {$36000.00}. This is great however every month I occur interest charges for high amounts that add extra to my total balance as they pile up over a years span. In the process it is causing my credit to dramatically decrease every month. I also went into default once and it was n't on my behalf and this caused my credit to plummet at the time and it took me a while to get my credit back up. I have been unable to purchase normal necessary items for years causing stress in my life on top the money that I owe for the loans. I have been through different repayment plans such as forbearance, income-based and deferment none of these plans are helping me to relieve my debt, it is honestly making it worse and me and my XXXX children are suffering in the process. I have been offered a forgiveness program but it wo n't take effect for another twenty years. I need debt relief now!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

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 07/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Chase. They have been charging us for Mortgage Insurance. 
Chase for several years kept on telling us we were underwater. First they said they were using a formula that XXXX used. XXXX denies getting involved with the mortgages that they invest in. XX/XX/2014, since we were underwater, we filed a request to Arizona Department of Housing for a grant. Arizona did a complete analysis of the value of our home and determined that our Home was not underwater. We sent the documents to Chase and they ignored our request. We even sent them a Agent 's opinion regarding the value of the property. Never a response. We requested several times a certified copy of the insurance policy so we could review the terms and conditions. The only response we received was a call advising us that the policy was confidential. Nothing like hiding the facts. This year we received a statement advising us that we could request the Mortgage Insurance removal. We did and we received a letter requesting over {$450.00} to review the property. Chase already had the information for over two years and they did nothing. Further, the money they want is really a penalty for the removal of insurance that, under the present value, will pay nothing. Its an illusion that the bank is merely making pure profit without any risk. This conduct is unethical and criminal, taking money for an illusion where there is no risk. We should be allowed to see the policy and the bank has the ability to verify value without making us pay money which acts as a chill from customers to request the removal of the mortgage insurance. As a simple alternative, a reasonable fee could be added to the loan without making people spent almost a year of premium to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Money transfer, virtual currency, or money service (Check cashing service) with SBG Financial (DE).
Issue: Fraud or scam

Complaint: Wensday  I entered UNITED CHECK CASHING IN  XXXX  DELAWARE to cash my tax refund  XXXX   XXXX  well every thing went ok untill i ask for my money well they told me come back and we will have your money so i think nothing of it and say ok so i go back and i am told that they can give me  XXXX  oo and  XXXX   XXXX  dollar mony orders and a prepay card with  XXXX  oo Ok so i said ok and agreed with it so it went well i spend  XXXX  oo of this money and the very nex day  i w ake up and all my money from the pre pay card was swipped clean levind a  XXXX  balance so like anybody would do i called the number on back of the card and the card respond that sorry you need go back where you had gotten it Ok so same  day i call car d i call UNITED CHECK CASHING and ask them what happin to my money they where friendly enough so they tell me oh yes we take the money of the card and that i should bring the money orders back so curious i ask WHY? The reply was " WE ARE GOING TO CASH YOU OUT AN D JIS G IVE YOU YOUR MONEY " So i say ok be rite in well then i arive to the place UNITED CHECK CASHING to get my money and when i arrived they took all my money back and say i have to PAY THEM for what it was my money then i ask if they can return my check and they say " IT GONE " of course im gon na ask what? they told me come b ack the next day and i get my check back well guess what i only got a copy of the tax check and noticed that it was allready deposited to there acct stamp and every thing so yhen i ask my personal papers  an W2 forms with my ssn and my kids ssn also my husbands ssn and the y reply OH NO WE GON NA HOLD ON TO THIS IN CASE YOU TRY TO GET US IN TROUBLE " '' SONOW I GOT NO CHECK NO MONEY AND TJEY WANT ME TO  PAY THE REST OF MY OWN MONEY WHAT THEY CRAZY THEY NEED GIVE ME MY  XXXX  back what should i do to get my money back the check was already signed by me and my son whom my husband gave his concent on video chat with the teller at the UNITED CHECK CASHING IN  XXXX  DELAWARE  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The estate of XXXX XXXX my mother, I complain to your co. back in XXXX 2016 of this year on RMS, Inc. After you sent complaint to co. XXXX XXXX XXXX state he was a Sr. Execution Resolution Analyst with RMS responded to my complaint. In letter he wrote that I could get my owe appraisal if I disputed the one did in XXXX XXXX, 2016. I did the appraisal after weather got better in XXXX because of all the flooding that had been occurring. In XXXX 2016 the appraisial sent them the knew appraisal. I spoke with a XXXX XXXX around XXXX XXXX, 2016 and stated the appraisal was coming out this week on Thursday XXXX XXXX, 2016. They stated in would take awhile to get the paper work done. Well on XXXX XXXX, 2016 I call to see if they received Appraisal, XXXX XXXX said it would that 24 hour well it was 24 hrs. He stated he would call me XXXX XXXX, 2016, which did and stated they received new Appraisal. And if they needed anything else they would call me and stated this was going back to Short Sales Dept. Well today is XXXX XXXX, 2016 I get letter from lawyers stating House is going in foreclosure. Never heard anything for Short Sales or XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. 

XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. 

Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. 

Every month over the last 90+ days XXXX XXXX XXXX  and XXXX/XXXX  play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed

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 04-03-2017 about Debt collection (Credit card) with Convergent Resources, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Attempting to collect on a debt that is not only past the statue of limitations, but its also a debt that I do n't owe. They are continuously calling and harassing 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 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Tate and Kirlin Assoc (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The collection agency added to collections to my credit report on XX/XX/XXXX. I file bankruptcy XX/XX/XXXX and everything was cleared. All items were removed from my credit reports and I have been one monitoring them and this company has never appeared and is now adding as new items

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Auto debt) with Financial Business and Consumer Solutions. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set-up a payment arrangement with Financial Business & Consumer Solutions , Inc. on XX/XX/XXXX to have payments debited on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This company breached the agreement by debiting my account on XX/XX/XXXX. A  rep told me today ( XX/XX/XXXX ) that debits from bank accounts can take between 24-48 hours. The rep also said that if the transaction day falls on a bank holiday, the transaction will occur on the next banking day.XX/XX/XXXX was not a bank holiday. None of this was explained to me inXX/XX/XXXX and is quite irrelevant since the debit did n't take place on the day that I agreed on. Yet, Financial Business & Consumer Solutions , Inc. did not debit on the agreed upon date. When I called to find out about satisfying the debt, I was given inconsistent statements by a rep and a manager. The 1st rep did in fact say that I could make one payment ( {$270.00} ) over the phone today. That rep did say that I could also give them my debit card to use for automated payments, which would eliminate any delay in processing. He put me on hold and then changed his initial statement. He said I had to make 2 payments today. I asked why he changed the initial statement? He then stated, in a very snide way, that the money for two payments should be there since there was an NSF. I then asked for his manager. The manager began the conversation with an attitude.
I asked the manager why I was n't given the information about using my debit card back in XXXX, he was not able to give a definitive response. When I asked him why I was n't told about the 24-48 hr. processing from a bank account, the manager stated that they are not allowed to say anything about the processing time because all banks are different.
When I reminded the manager that we were on a recorded line & every inconsistency can be replayed, he regained his professionalism and agreed to re-instate the agreement, with different dates. Based on contractual law, there was an " actual breach '' of contract by FBCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checked my credit report and found Renton Collection agency on there with XXXX charges totaling {$200.00}. I called to attempt to get an itemized bill of what was owed so I could mail a check. I spoke with a man there who informed me that I owed {$200.00} more for other debts that he refused to disclose. I told the representative that I would pay what was owed but I needed an itemized list of the creditors and amounts for my records. He refused to send any information and proceeded to tell me that he knew where I worked and he was going to call the office and ask to speak to my manager so he could tell them about my collections, which are all medical in nature. He demanded payment immediately or he would send more to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates sued me in District Court in XXXX, AZ. I challenged the suit and they immediately dismissed without prejudice. They continued calling me numerous times after the lawsuit was dismissed and placed an entry in my credit report. This tradeline was challenged as well but the credit bureaus refuse to remove it.

Company response to consumer: Closed with explanation