milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/2018 and was signed and delivered on XX/XX/2018. To which I never received any response and then today I go onto my credit report on XX/XX/2018 and see that they have been added to my credit files XXXX XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law. 

On top of all this then when I submitted a complaint via CFPB they had the audacity to say that I must have been looking at an inquiry on my credit report and that they had NOT reported it to the credit bureaus. ( see attached ) Which very clearly they have as you can see from the attached documentation of my credit file. 

Once again I expect this to be deleted from my credit file ASAP.

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 03/29/2017 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Billing disputes

Complaint: I got up this morning on XXXX/XXXX/17 at XXXX and called my phone company to pay my phone bill of {$50.00} and it did go through, I called my card to make sure I had {$60.00} left for my kids diapers wipes and food and there was only {$10.00} left on there. I did got to my phone company and they pulled up my account and there was only XXXX transaction that was approved for only {$50.00}, but the American Express company took out an extra {$50.00} which is by law called fraud. So I called my phone company head office and they even said only one payment was approved for {$50.00} thAt American Express has frauded me of an extra {$50.00}. I have already talked to a lawyer and I will be aiming to press charges

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/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 03-08-2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY ADDRESS AND INQUIRIES NOT AUTHORIZED BY 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 08-11-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: I want to have a mortgage with Chase. I have got a commitment letter. However, the rate is rather high as I compared with XXXX. I asked Chase if he can give me the same rate as XXXX. Chase said that is the best rate he can offer me. So I decided to switch to XXXX. 
I have paid {$500.00} for the application disclosure including appraisal fee. But when I want to have the appraisal copy, he can not give me because the appraisal itself has not been done yet. I am now using XXXX to get my mortgage done. 
I have requested through email on XX/XX/XXXX. Chase 's lender gave me so many nonsense explanation, such as ... 
1. He will ask the underwriter to send me the copy. 
2. He said give him a few days more. 
3. He said the appraisal is in the commitment letter. 
4. He said he never charge the appraisal fee. 
5. He asked me to contact processor do one for me. 
6. On XX/XX/XXXX email, he said to me not to worry and will order the appraisal very soon. 
My question is can I get my money back from Chase because I know that they can not give me the copy. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (LA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had called the company when my husband had gotten very ill. We had arrangements made but there is no history of this occurring to their records. The credit card is being reported after being verified on all three credit agencies. Here is an example of XXXX. 
XXXX Payment HistoryYear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * *Payment History KeyYou can see in XXXX when my husband got sick, we had arrangements made, and we were supposed to begin deferred payments but the card was closed. This is not what was agreed to. I need help getting these inconsistencies removed from my tradeline they are destroying me. At first I wanted my card back because that was the original agreement now I just want it paid and removed from all three agencies due to all the mistakes, communication, and discrepancies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Knew I had already paid the debt when they sent the bill

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department, TransUnion wo n't give it to me. I 'm told I just need to call back to the regular number and asked to be transferred. 

I feel TransUnion is treating me different based on my prior complaints to the CFPB, and now TransUnion is failing to provide me the same assistance as they will to others on the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Billing disputes

Complaint: on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This is rehashed from complaint XXXX, seeking the dispute of resolved matters after closing this CFPB complaint ... BOA has been given attachements showing the fraudulent charges by XXXX, confirmed by XXXX Presidents office as being almost double of what I was quoted.
BOA refunded {$210.00}, but that was much less than was reversed of XXXX..
Essentially, I want refund of ALL overdraft fees I 've been charged for the last 6 months due to XXXX over billing, debiting my acct for a fraudulent amount, I did not agree to ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Chase Bank USA has pulled my credit now XXXX TIMES in the last year. I have contacted them after each occurrence to notify them that I never applied for a card with them. Each time the assure me the inquiry would be removed and it would not happen again. I have now received another denial letter dated XXXX/XXXX/17 ( Reference number XXXX ). I filed a complain with CFPB and it was showing as a dispute with XXXX? ( complaint XXXX about XXXX, XXXX ) It was supposed to be a dispute and report of fraudulent activity against CHASE. They should be fined, made to remove these inquiries and figure out what is the problem on their end that allows this to keep occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Submitted online dispute process withe experian and equifax with supporting documentation ( ID Theft report, police report number ).   XXXX   came back with a response stating they had deleted those items, experian came back as debts verified.

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 09-09-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have a private student loan with Wells Fargo. I am the borrower and my Father is the co-signer on the loan and he filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. However, I continued to make payments on the account. I tried to make a payment on-line one day but was unsuccessful. I contacted the bank but they would not talk to me. As a result, my Mother contacted the bank on XXXX/XXXX/XXXX to inquire why I could not make any payments. We discovered that they had charged-off the account. The Bank charged-off the account after the bankruptcy filing date. As a result, the bank discontinued communication with me and my Father. On XXXX/XXXX/XXXX, we spoke with XXXX XXXX, who agreed to remove the charge-off status and that the account would be suppressed until after settlement of the bankruptcy. The Bankruptcy has not been discharged. In addition, they are receiving Trustee payments. My complaint is that they have reported my account as a charge-off which has had a derogatory effect on my credit and I 'm not able to obtain additional funds for XXXX school for it appears that I 've defaulted on a student 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 explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXTRANSUNION RE : XXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 09-03-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I misdirected a mortgage payment using my banks bill pay. The mortgage payment instead went to GreatLakes Higher Education, with which I had an account five years ago but which I do n't anymore. I called and asked them to return the money after my mortgage company told me about the missed payment. Great Lakes told me they forwarded the money to XXXX, another student loan company. XXXX denies they received anything. The transfer of money happened XXXX XXXX. Great Lakes continues to refuse to return the misdirected funds. My banks bill pay says this is common and Great Lakes makes " XXXX '' on this sort of thing. I am very concerned about paying my mortgage and other expenses given Great Lakes refusal to return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Transunion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/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 12-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am repaying a loan from navient that i didnt get .They say i did but i have never been to a university, or college. They say this was back in 1983 I dont know the name of the school that i was supposed to of went to.Anyway they put me on payment plans they said in 5 years it would be forgiven but now they say it will be forgiven in 25 years.Why should i keep going threw this hassle when i didnt go to this school. I called them and ask them what school i went to and they couldnt tell me. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: For the past month, I have been getting incessant robo calls, emails and now calls to my work. I am a cosigner on a loan and on  XXXX   XXXX ,    2017,   XXXX   XXXX ,    2017, ( s econd time on  XXXX   XXXX ,  2017 )  and  XXXX   XXXX ,    2017, I  emailed  Navient and  asked them to stop robo-calling. Today I was harassed at my place of employment. When I expressed that they are NOT to call me at work, she advised me that " the calls WILL continue. '' This is harassment and I want it to stop.

Company response to consumer: Closed with explanation