milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.

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 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion, has failed to update my credit report which is causing me not to be able to rent an apartment. I have a XXXX balance with XXXX aka. XXXX. The balance owed has been paid off for 2 years! Transunion has also been reporting that I was evicted, however I have never been evicted from any home. On-site. which is the screening service used by apartment rental companies are also showing this information which is in accurate.

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 10/31/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have paid 15 years on this mortgage without a problem. This loan was originally with National City Mortgage which PNC bought and is now servicing the mortgage. We have had no problems in paying the payments online until the XX/XX/2016 payment was due and we found out that we can not pay it unless we set up an account with PNC Bank. It is stated in there website that all person wishing to keep paying online must set up an account in order to make payments. We are against this action as we would not be able to track our funds applied to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a thing but a summons from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent XXXX XXXX a letter before I sumitted my answer to the court here in Arizona. 

XXXX answered back with a motion for summary judgment. XXXX ignored my letter electing arbitration per Citibank cardholder 's agreement. XXXX forced me into litigation when a clause in Citibank 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO XXXX FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave XXXX a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet XXXX kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Closing/Cancelling account

Complaint: It came to my attention recently that an ex-girlfriend had fraudulently used my Chase credit cards. One had a limit of $ XXXX and the other $ XXXX. I notified Chase and filed a police report. The fraud included a gentleman facilitating phone calls and posing as me. Both parties have been charged. Immediately Chase told me that they would close the account, reverse the charge and issue a new card. I closed my bank account, and Chase told me to not only do that but go to my bank and request a return of payments that were connected to my account. About three days later, Chase called and said that since i had been a beneficiary of the fraud, even though it was unknowingly, they could not substantiate it as fraud. I agreed to handle the process through the courts to seek the return of property acquired and restitution. In the interim, I attached a new bank account and returned the funds that they had returned to my bank, as well as made another payment. Though the fraud was only on the Sapphire card, I found that both cards said " account closed '' when I logged on. The specialist I talked to promised me that I would be issued new accounts, and I need only continue with my payments. When I called to speak with Chase about the accounts being closed, they offered that they had done a random credit check, and though no other accounts on my credit report had changed, they cited " a rapid increase in balance '' which was the fraud on the Sapphire card, and ( 2 ) a returned payment, which they informed me to pursue. I have never made a late payment with them, even with the fraud occurring. Further the balance of the other card that was not affected was $ XXXX of $ XXXX, which I was logging on to pay. I had previously opted out of pre-screening offers, so their rationale that this was a random credit check was bogus and an outright act of deceit. The other card is at $ XXXX of $ XXXX with the fraud. The fraud included one major purchase that the woman and her accomplice made, so I am unsure of how a rapid increase of spending is justified. I believe that this is unfair and deceptive business practice, as all of the actions taken were under the advisement of Chase. As well, the specialist was dishonest with me regarding next steps regarding the status of my account. Again, the Marriott Rewards card had no bearing on the other account, nor did I allege any fraud. I was able to retrieve items from the authorities and return them for credits to that card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX loans serviced by Navient, XXXX of which are current. I graduated college from XXXX XX/XX/XXXX. The program I was placed on for repayment of my loans XX/XX/XXXX was too high and I could not make the payments. I asked for a new program, something with lower payments, possibly based on my low salary ( under XXXX ). I was placed into a " graduate '' repayment program. I was not at that time, or any other time, told that Navient offered Income based repayment programs with Loan Forgiveness. I never received any correspondence or phone calls regarding this, and I was under the impression my only option was to stay in the graduate repayment program until my credit was sufficient enough to consolidate. On XX/XX/XXXX, my payments were increased again drastically, by over {$150.00} a month, and automatically pulled from my bank account without my knowledge. Navient explained because I was on the auto debit repayment option, they were free to raise my repayment amount and pull the new amount, as it would not effect my repayment schedule. The interesting thing is, when I had previously called and attempted to make additional payments on the principal amount of my loans, I was told I could not do so without effecting my auto debit repayment schedule, which would raise my interest rate ( Navient offered a reduction of .25 % interest rate on all loans for auto debit ). I contacted Navient with concerns about my new repayment amount, and they then, XX/XX/XXXX, guided me towards an income based repayment program they said had been available since XX/XX/XXXX, and that it was more beneficial for me financially then the graduate program. I found this extremely frustrating, because I could have been contacted or emailed at any time and told this!!!! It seems unethical they could withhold certain information from me which would benefit my status as a borrower. I was also told that my four years spent on the XXXX Based repayment program did not count towards the income based repayment program, and therefore I have to start from the beginning again. I no longer trust my student loan corporation. Its obvious that the bottom line is more important than their customer base.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 submitted Numerous request to TransUnion and requested the removal of unauthorized inquiries on my credit profile. TransUnion responded and only directed me to the meaning of inquiries. However, i have further stated before in a separate request to TransUnion that i did not authorize these inquiries. 

I am requested the removal of such inquiries that were not initiated by me. 

I HAVE ATTACHED THE PROOF FROM ONE OF THE BANKS STATING THAT THE INQUIRY SHOUDL BE DELETED AND THAT WAS WELL OVER THREE MONTHS

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX about Equifax having not properly resolved an account named XXXX XXXX XXXX XXXX XXXX Account XXXX, and Equifax replied to myself and to Consumer Financial Protection Bureau that this account was deleted from my credit file. I am attaching the proof to this current complaint. During this time in question Equifax did delete the accoutn from my credit file, but have since improperly reinserted and refuse to remove the account even when I notify them of the improper reinsertion. I have provided Equifax by certified letter and by fax to XXXX and have fax confirmation forms to prove they did in fact receive my complaints of improper reinsertion, however they have refused to comply with the FCRA and remove the improperly reinserted item. They have and continue to violate the FCRA by not only having improperly reinserted this item, but by continuing to act upon my demands to delete permanently the previously investigated and deleted item. Equifax did not follow the FCRA by notifying me that they intended to reinsert this item EVER. When I have spoken to the XXXX XXXX in their XXXX XXXX XXXX and made her aware of this matter she has done nothing about it. She told me to fax her the proof of reinsertion to her and the account would be removed but this has no happened.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After making several calls to transunion and sending out several certified letters with the return receipts, regarding the following inquiries : 1. XXXX Fa XXXX 2. XXXX 3. XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXX 7XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX XXXX XXXX they are reporting on my credit report. tRANsunion is reporting not yet proven compliant information. TransUnion has detailed on my credit report. Reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 04/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my daugher and my son. I am now losing everything, I am trying to short sell the home to start over and DiTech is saying they ran my credit report and that XXXX advised them their is no FICO score, nor do I have sufficient credit? I spoke with XXXX and they advised DiTech has requested nothing!!! This is holding up me going on with my sad life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: The wording surrounding the terms of the loan were very confusing and did not make sense. I would not have accepted a {$500.00} loan for a total payment in fees of over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX Bank acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.

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 05-09-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX addresses are not mine : Address : XXXX XXXX XXXX, NY XXXXXXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXXXXXXThe above address was where my ex-wife ran away with the man she had an affair with after our divorce. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is my employment business address, not a single family home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm kindly requesting that someone please investigate Experian. This is my second letter to them and I 'm getting no results. There has been a bank error and I have attached proof to show. Furthermore, I do not believe that XXXX using their XXXX system conducted a proper investigation. 

Please see attached documents relating to the complaint

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 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a Public record with Trans Union and sent them proper paperwork showing that XXXX XXXX NC Courts dismisssed the judgement against me and my credit report still shows it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My deceased mother 's past due credit card has been put on my credit report in an attempt to come after me. Her estate is in probate and everybody will get paid when the estate settles unless her creditor refuses to get off of my credit report and continues to cause me to be denied credit. XXXX deleted the account off of my report based on my information. Equifax refuses to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My client, XXXX XXXX, was a low level employee of the XXXX XXXX for XXXX XXXX in the New Hampshire officeXXXX XXXX was instructed by the XXXX to create an internet account with XXXX XXXX for the exclusive use of the XXXX. Thereafter, he called XXXX XXXX, used the XXXX 's credit card for payment of all fees, including future charges, and provided his name and phone number as XXXX required a contact person. 
Shortly thereafter, XXXX left the XXXX New Hampshire campaign. Over the past several weeks, XXXX has been hounded by an abusive debt collector even though she was apprised of the above facts. XXXX then contacted my office to represent him in this matter. On XXXX XXXX, 2016, a representative from McCarthy. Burgess and Wolfe contacted me, at first refusing to identify themselves. When I informed the McCarthy, Burgess and Wolfe ( hereinafter, MB & W ) representative to either identify herself or I would end the call she stated that the call would be recorded and that she was calling in response to a claim against XXXX XXXX. I informed the MB & W representative of the facts set forth above, told her my Client had no fiduciary responsibility for the Campaign and was no longer employed by XXXX and that she was to discontinue efforts to collect through my Client. She continued to press for information and I informed her that the debt was not my Client 's, he was not responsible and that she was to discontinue all efforts to collect through my Client. Lastly, I told her that should they initiate any proceeding against my Client, we would countersue. Thereafter, I ended the call. 
Previously, I informed MB & W of the above facts and informed them that XXXX XXXX would not be responsible for the debt as it was not his, and they were to discontinue all collection efforts through XXXX. I also told MB & W that if they had facts to counter my claims, they were to send those fact directly to me and discontinue all communications with my Client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Genuine Debt Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: they would change their voice, and say they have a case against me and they going to take me to court.. different people keep calling from different numbers. last this last person name XXXX call and said that she was going to contact my job.I told her that she have to send me some info and she said that they dont.

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 12/28/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is allowing XXXX XXXX to illegally report a re-aged charged off account on my credit report. I disputed this information with Equifax credit bureau and they informed me that XXXX XXXX verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation