milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors and credit bureaus initiated several disputes with XXXX, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate we 're in. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like national credit systems are one in the same but neither one can really help I think me and millions of americans are being lied to by the credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: In assuming a VA mortgage with Fifth Third Bank, they allowed the escrow company to send financial statements including, Name, DOB, SS #, Credit Card information andmortgage information in an unsecured and unencrypted email to the seller. This wasfor both my wife and myself. 
Escrow Company:XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX Closer : XXXX XXXX XXXX ( XXXX ) XXXX Ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX has not sent me any statements showing my balances due. I did not know my loan was almost defaulted - I was informed by a accelerated action letter from chase dated XXXX. I was not given any phone calls or additional letters warning me that I was about to default. I am just asking chase allow me to make up the missed payments and continue making the monthly payments. I WAS TOLD WHEN MY LOAN WAS MODIFIED FOR LONG TERM PAYMENT MODIFICATION I WOULD HAVE FORBEARANCE FOR PAST DUE AMOUNTS. THIS DID NOT HAPPEN. i WAS NOT INFORMED THAT THIS HAD NOT HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with One Technologies, LP (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX XXXX XXXX, conducting business under the name " XXXX, '' included the following solicitation on the web site of XXXX XXXX XXXX " 3 Credit Scores ( Free ) - Get Your Credit 3 Bureau Score View Your Latest Credit Scores From All 3 Bureaus in Just 60 Seconds For {$0.00}! '' I believe that is an outright lie and fraud equivalent to what you alleged in the XXXX  and XXXX law suits. 

Copy of the relevant XXXX XXXX XXXX 's web page including the offending solicitation is included. 

In the late morning of XXXX XXXX, 2017, I went to the web site XXXX XXXX XXXX/ XXXX by clicking the link included in its solicitation on XXXX XXXX XXXX XXXX web site. I filled out the application for the allegedly free credit scores. The first 2 pages of the application required my name, address, social security number, birth date, where I lived when receiving social security number, answers regarding history of my residences and personal credit, email address, and establishing a user name and password for XXXX XXXX XXXX/ XXXX. When the 3rd page of the application was presented to me, it requested authorization to charge my credit card for 2 items. The 1st was a payment of {$1.00} charge for an initial 7 day free trial of a subscription program that provided the " free '' Credit Scores, which charge would be refunded by a refund request made within 7 days of the application. The 2nd was the automatic long term enrollment in the subscription program for a monthly subscription fee of {$39.00} automatically charged against by credit card unless I telephoned XXXX XXXX XXXX/XXXX in advance to cancel the subscription. I did not include the my credit card information in the application, authorize XXXX XXXX XXXX/ XXXX to place a charge against a credit card of mine or submit the application to it. THIS IS NOT " FREE '' OR " {$0.00}. '' I contacted XXXX XXXX XXXX/XXXX and informed it of my experience, I considered its practices regarding the so-called " free '' offer to be false and illegal and requested it to remove my very sensitive information from its records, including any of its data bases. The person who took my call did not agree to do this, but did not state my information would be retained, and informed me by not submitting the application my very sensitive information would not be entered in its records. I believe this as far as I can throw the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: I SHORT SALE MY HOUSE IN XXXX OF 2010, WITH CHASE MORGAN XXXX.YET THEY ARE STILL REPORTING ON MY CREDIT REPORT XXXX OPEN LOANS WITH INTREST REOCURRING EVERY MONTH AND THEY SAIDTHE LOAN HAS BEEN CLOSED ON THERE END BUT THE CREDIT REPORTING COMPANIES CONTINUES TO REPORT IT. HELP ME PLEASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Didn't receive notice of right to dispute

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 11/15/2017 about Debt collection (Medical debt) with Atlanticus Services Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at XXXX I was in legal trouble. It come to find out the XXXX Store contacted a collection agency called National Credit Adjusters at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every two weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a Home Affordable Modification with Wells Fargo on XXXX/XXXX/XXXX because I could not make the payments required and am three months behind. The response came back that I was approved for the modification and had to make three trial payments of {$3100.00} starting XXXX XXXX, XXXX - this is my current payment which I ca n't afford. The reasoning which I believe got me into this mess when we purchased in XXXX XXXX, is that our monthly household income is {$16000.00} - I WISH IT WAS! My husband and I do have a business which is a partnership and per our Home Preservation Specialists XXXX XXXX, our income is based on the Gross Income of the business and not what the XXXX show or the amount of {$5300.00} we submitted on the Income/expenses for household form we submitted with the loan modification paperwork. They are n't even taking in consideration the expenses of the business or the information provided to them on IRS Form XXXX or the income statements of the business we provided. In the year-to-date income statement we provided for the business our net income for the period ending in XXXX XXXX was {$14000.00} which has to pay for XXXX judgements against the company and past due bills dating back to XXXX that includes payments to the IRS. 
I do n't understand how they can come up with this conclusion when at the end of XXXX, I submitted paper work for a loan modification because we were 6 months behind and fighting foreclosure and they approved our loan modification. Our monthly payments were {$3100.00} prior to the modification and the approved mortgage modification lowered our payment to {$1900.00} which was more manageable for 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 11-04-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Disputes were filed with all three credit bureaus, outlining my issues. XXXX removed the Collections Account after verifying that the terms with the original creditor were invalid and illegal, however XXXX and Equifax merely validated that the original account was mine. I explained to XXXX and Equifax that the issue was n't that the account did n't belong to me, but that charges and contracts were added to the account that had not been agreed upon. Information is as follows : Original Creditor : XXXX XXXX added a contract onto my account after I explicitly told them I did n't want one. XXXX has record of this, but claims I agreed to a contract when I called to remove phone service. I told them that due to me only remaining in the area for a few months, I COULD NOT have a contract on my account since XXXX did n't service my new location. XXXX went into my account a month later and illegally added a contract to my account without ever notifying me. When I went to terminate my services there was no mention of a contract or early termination fees ; they even told me that I would be receiving a credit on my account! After receiving the final statement two weeks later, I found an early termination fee and a non-returned equipment fee. I called customer service and the representative told me that they would waive the fees, since a contract had never been agreed upon. ( This is all in my account notes and recorded phone calls that XXXX will not release to me. ) Two months later, I received a letter from the first collection agency due to the aforementioned and allegedly removed fees. XXXX had gone back into my account and re-added the fees, claiming the CSR who removed the fees did n't have authorization to do so. This debt has been passed to XXXX different collection agencies and successfully disputed each time. XXXX and Equifax refuse to look into these details outlining the illegality and illegitimacy of this account. Furthermore, XXXX is reporting this account as 90 days late, even though I NEVER had an agreement with XXXX XXXX, or any other collection agency. 

Disputes with these credit bureaus have gone nowhere, since the bureaus refuse to do anything more than validate ownership. I have never been late on any account, and have never missed any payments. I monitor my credit very closely, so it 's appalling to have this matter treated so lackadaisically.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: THIS COMPANY DOES NOT LISTEN. I HAVE SAID TO PLEASE NOT CONTACT MY FAMILY, RELATIVES, ETC. AND THEY STILL DO. THIS IS EMBARRASSING AND CONTINUES TO OCCUR.

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
Consumer complaint received 04/26/2016 about Credit card () with SYNCHRONY FINANCIAL ().
Issue: Other

Complaint: The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on 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 11/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have tried multiple times to lower my monthly loan payments with Navient. At first their system was n't even correctly setting up my autopay even though I set it up correctly multiple time online and emailed them regarding the issue- it still did n't get setup correctly for months. 

My main issue though is that my husband and I both have student loans with high balances. I asked to be placed on an income repayment plan and went through the application process. We have XXXX children and my husband works full time and I work full time. Without a repayment plan, our monthly dues would be close to {$800.00} a month, 25 % of what we bring in a month. We have a house payment that is {$2000.00} a month. At first, the declined our income-based repayment and I had to speak with them multiple times about the issue. Finally, they set us up on a repayment plan that is {$500.00} a month- but this amount does n't even cover the interest and so for 10 years now- none of the student loans has actually been paid- They are actually accruing interest -- even with our monthly on-time payments. 

It so disheartening and unfair for a family who works this hard with XXXX small children. It should n't be legal. It is the biggest scam of our era. I am writing in hopes that someone will be able to assist with solving this huge problem, not only for my family but for the incredible amount of families who are experiencing the same problem. Please take notice and help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,

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 09/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My complaint is with Transunion. 
They have been informed several times that the negative items on my report from : XXXX And XXXX / XXXX XXXX / $ XXXX XXXX / XXXX XXXX / $ XXXX debts they bought from : XXXX XXXX that XXXX XXXX bought from : XXXX, Way back in XXXX & XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, California with many others!! 
There for there insisting in buying and selling these debts and destroying my credit, any year they choose " to continue doing, '' '' since '', is unethical, dishonest, slanderess, and actions of CROOKS!!! 
Why Transunion keeps allowing this/ " even when " this is NOT the FIRST TIME they ARE TOLD is beyond any thing honest!, or, Responsible for the PHONY INTEGRITY they pretend to up-hold. If they DID their JOB, this would n't be happening. 
The same thing goes for the public record : XXXX XXXX / XXXX XXXX 's from XXXX XXXX Aquisitions as well!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call restricted or different numbers at any time day. All I know is that its ARS collection agency. I really dont know much about my case so I dont know if this is real or a scam. But they call at any given time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: In XXXX 2017, Capital One unilaterally placed a hold on my checking account due to a suspected security issue. They did not contact me to tell me that they had done this or to resolve the potential security problem. During the time that my account was suspended, I continued to write checks from it because I had no way of knowing that anything was wrong. As a result, 5 checks that I wrote during this period bounced and I incurred a total of {$170.00} of returned-check fees. When I received notice of returned check fees, I called Capital One to find out what was going on, and that was when I was informed for the first time about the account suspension. We resolved the security issue ( it turns out there was n't one ) and they reinstated my account. But Capital One refuses to reimburse me the {$170.00} even though I only incurred these fees because of their actions and their failure to communicate those actions to me. There were more than enough funds in my account to liquidate these checks if Capital One had not frozen my account, and I would not have written checks on the account if Capital One had told me there was an issue with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against TransUnion. I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.

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 02-11-2017 about Credit card () with CITIBANK, N.A. (MO).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XXXX I opened a Brandsource credit card from Citibank, XXXX with 0 % APR for the first 12- month period and paid the balance in full on XXXX/XXXX/XXXX before the 12- month period expiration date of XXXX/XXXX/XXXX. I made total payments of {$1200.00} for an actual purchase amount of {$1000.00}. I have all copies of the paid checks and statements from the company. 
Unfortunately, I was shocked to receive a a bill for {$530.00} from a collection agency Named XXXX XXXX XXXX, XXXX. 
I have complained to both the creditor and the collection agency and have not received a response from neither XXXX. 
Copies of all documents, paid checks and statements were sent for both the creditor and the collection agency for verification of full payment of the account. 
I would like to file a complaint with your department.

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