milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: It is Experian 's policy, after you have received a response from the creditor and they deem the information accurate you are not allowed to res dispute the information without additional information. The online system refuses to accept a new dispute and the upload system denies your ability to upload documentation. 
As a result of the recent case in Federal Bankruptcy Court in XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove inaccurate items from credit reports. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' I am requesting Experian to immediately remove these items from my report by directly disputing them, however they have refused me access to their dispute system. This information has impacted me negatively and caused me to be denied credit. The information has been corrected on the other XXXX credit reporting agencies but Experian by denying me access has prevented me from corrected it on their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with citibank. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call citibank to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from citibank. two years later citibank took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
citibank have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
citibank has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 filed a dispute in XX/XX/XXXX disputing 2 accounts mid- XXXX XXXX and XXXX XXXX XXXX and when I pulled my credit report online equifax statement says that these two account were removed from my credit report between XXXX and XXXX and I do n't understand why it is still showing up my credit report and not deleted thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OR).
Issue: Managing the loan or lease

Complaint: I bought a truck in XX/XX/XXXX, paid all my payments on time to wells fargo dealer services ( wfds/wds ) except for the last few months. I was late and contacted the company to ask how much the payoff amount is so that I can pay it when I got my income tax. They told me the amount over the phone. Sent me a final bill with that amount and I sent a check. Once they cashed the check they then sent me my pink slip on XXXX/XXXX/XXXX. I thought I was done with them after that until I went to apply for a home loan and was confronted about a charge off that I still owed {$290.00} to wfds. This is when I contacted wells fargo about it and they said that they will not remove that from my credit report. I then filed a dispute with the credit reporting agency and neither the agency or wells fargo would correct the report on my credit. I am now seeking your help to have this removed from my credit as I have paid my truck off. I have paid them the amount they requested and then received my pink slip. I can not get a hold of anyone every time I call the number listed on my credit report for wells fargo three different occasions. I have been transferred to over XXXX people each time that say they ca n't help me and each time I call, wells fargo uses this opportunity to update my credit report with this negative charge off with a remaining balance leaving it so that it never falls off my credit report. They are being fraudulent by falsely reporting this on my credit report as it is paid in full. They are also falsely reporting a balance when their should be no balance as I paid them in full and that was the only way they were going to send me my pink slip to my truck. They have recently reported on XX/XX/XXXX that my truck is in repo status. They are also not reporting the original date it was paid in full which is XX/XX/XXXX. They have ruined my credit and have caused me extreme emotional distress as I can not obtain a car loan or home loan because of their false report. They need to let go of their tight grip on me. I paid them. I am requesting that they remove this from my credit completely or at least change it from charge off to paid with {$0.00} remaining balance with the original date it was paid XX/XX/XXXX. This company needs to be extensively investigated because I know I am not the only one they are doing this too. They ruining people 's lives. Lien holders do n't release pinkslips with a remaining balance.

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 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion has not increased my credit score where it is suppose to be after all debt was closed in good standing and/or removed. Also it reports i have XXXX collections and have only XXXX open accounts in good standing but the information for XXXX is incorrect which I have been disputing it with transunion XXXX with no response from Transunion. My credit report states It is basing inform " 3 years from today 's date. In which it states contradictions that effects my sore. I have XXXX late payment ( not true ) XXXX on time payments, XXXX " current '' on time payments, totalling payments to be XXXX. But the grid they display is showing no late payments and all payments on time. Also it shows the grid shows XXXX, XXXX payments being code for " unknown ''. and counting it as XXXX missed Delinquents payments and XXXX missed payments ... And refuse to demand XXXX to explain and/or fix. I explained that During those years I was under XXXX XXXX mortgage modification program in which it clearly states and the bank stresses that any late payments during this process ( XXXX, and XXXX ) mortgage will be denied modification. I completed the program successfully with no late payments on my mortgage being modified. Trans Union, XXXX, XXXX marked those years unknown, delinquent, and missed payments all at the same time which is NOT TRUE. Which " XXXX '' ( nothing ) in collections XXXX accounts open in good my score should be more than XXXX. I need all credit bureaus, and XXXX investigate and my credit and report corrected.

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 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: while attending   XXXX   XXXX   XXXX   College my loan originated with   XXXX   XXXX  . somehow my loan servicer changed to Navient ( major Problems ). My loans totaled ONLY around 33,000 i had to complete paperwork in 2014 to  tfr  to Navient. i was told by Navient the FIRST paperwork was incomplete to process it again. so i did ONLY to find out that Navient processed both applications TWICE therefore leaving me with a debt of  XXXX  I have spoken to them i have faxed proof from   XXXX   XXXX   i have faxed financial records from my college and they insist on me paying   XXXX   to them for a school which only cost me maybe 22,000 plus part of my education was subsided by my employer they in turn sent my loan to   XXXX   XXXX   with the continued debt of   XXXX  . i contacted  XXXX  and they right away spotted the error. i feel that Navient is prejudice towards servicing me assistance in this matter they have blemished my credit they have caused me to incur higher insurance and higher loan rates. My  XXXX  is beyond what you can believe i am receiving demand payments of   XXXX   per month in which i can not afford on a salary of  XXXX  i really need someones help next i will be garnushed because of someones elses error .... please help me .... my contact there was   XXXX   at   XXXX   XXXX   XXXX    also a lady named   XXXX   .... and now they have blocked my calls all together  ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: In  XXXX   two  times was contacted by Midland Funding LLC also  XXXX ,  XXXX ,  XXXX  by phone an have come to home they have Also called my parents home threating to sue me when they came to my home they screen my name out loud my daughter was home alone and was afraid I have asked them to not contact me again back in  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX/XXXX/2015 I bought a copy of my Tranunion credit report XXXX Order Number : XXXX ). I disputed several items on my credit report and requested that the results be sent via email. I did not want my report to go out in the mail. On XXXX/XXXX/2015. I received notice from a credit monitoring service that their had been changes to my Transunion report. On XXXX/XXXX/2015 I contacted Transunion to inquire when I would receive a response. I spoke to a representative who purported to be a supervisor ... she told me an email had already been sent to me. I explained that I did NOT receive the email. She gave me XXXX options, she could either mail out a copy or she could go over the results over the phone. I explained that I had paid for an electronic copy and I want my results and updated report electronically. 
Her demeanor was take it or leave. I asked to speak to a manager, she refused. I refused to hang up until she transferred me to a manger. She transferred me to voice mail with an inaudible name. I left a message. As of now I have not received a response. My biggest concern ... TranUnion purports to have sent an email. Who received this report / results? Where was it sent? I DID NOT RECEIVE THE EMAIL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX, borrower contacted debt collector and acknowledged settlement offer from loan originator, Navient. Debt collector verbally denied borrower the right to settle referencing no knowledge of the agreement with loan originator. Furthermore, debt collector advised borrower that balance of {$8000.00} was different than balance of {$13000.00} loan originator was reporting to borrower 's credit reports. Debt collector also advised borrower that per the agreement reached in XXXX, there was no interest on the account. 

On the same day, borrower reached out to loan originator, and inquired about difference in balances, and debt collectors refusal to draft settlement agreement. Loan originator sent inquiry to Loan originator 's office of consumer advocate for review and response. Per loan originator, the debt collector had not communicated that they had committed to a repayment agreement with borrower, and therefore, Navient was reporting information incorrectly to credit bureau for a number of years. 

During the period of XXXX XXXX to XXXX XXXX, XXXX, borrower has contacted loan Navient, and XXXX, XXXX XXXX XXXX on a daily basis. Both parties seem to disagree on responsibilities of fair debt collection reporting, balances, settlement drafting, etc. XXXX, XXXX XXXX XXXX has informed borrower that account is not in collections proceedings due to the numerous errors, and they are in a holding pattern waiting for confirmation before collection action resumes. Borrower has, on numerous occasions, often daily, offered to make payment and or settlement in exchange for fair credit reporting from both parties. Both parties have remained in holding pattern, and improper balances, account status, and payment information has been reported to borrower 's credit account, thus harming credit standing, and civil liberties in regards to financing a home, available credit, consolidation, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with ASTA FUNDING INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Palisades Collection LLC placed a wage garnishment with my employer. The debt is not mine as it originated in XXXX while I was in high school. They advised a judgment was entered in XXXX and I was served of this. Looking at the court documents I have no idea who signed to receive the documents, as I have never had a roommate. The person listed I have no idea who they are. I pulled the 54 pages of court documents and they are all over the place including filing in XXXX XXXX and XXXX XXXX. It is not on my credit report and the attorney stated : " consider yourself lucky it is not on your credit report ''. I spoke with an attorney who advised proper notice was not done and various other issues. I also shared with the creditor that when I received a letter in XXXX XXXX stating I owed them, I responded with a letter requesting proof. I sent via certified mail and confirmed with XXXX received, but they denied receiving it. I have tried to get them to remove and stop garnishment but the will not, so I am working with an attorney in the hopes of resolving. I researched the company and found the the Attorney General in New York XXXX https : XXXX ) obtain a settlement against the parent of XXXX which is XXXX XXXX, XXXX. I now have to try to hire an attorney to clear this up and stop from garnishment my check. I am a personnel XXXX for XXXX XXXX of XXXX and to have this occur is very embarrassing, to say the least. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 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: Account information incorrect

Complaint: I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 06/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Professional Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing the charge of {$470.00} on my credit report from XXXX XXXX XXXX. Apparently a final bill that I never received. {$510.00} seems high for a residential utility bill?? however if that was the final bill I had with XXXX the {$50.00} refundable deposit would have reduced the bill to {$460.00}.?? I dont know ... this is not my bill ... 
Please help me to resolve this issue to clear from my credit report. It is being reported by all XXXX bureaus. 
Attached is a copy of my XXXX application and refundable deposit amount. 
My desired resolution with XXXX XXXX XXXX is to show this bill as Paid as Agreed or even better deleted from my credit report as it is showing under collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like to have my name XXXX XXXX remove as auth user on this acct XXXX : spirit card from bank of America.

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 12-11-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. 
Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there was a bank account open in my name at XXXX XXXX XXXX, that is now close due to fraudulent activity and now i ca n't open any type of bank account because of this. my identity was stolen when i lost my wallet and phone a couple months prior to this. when you call the social sercurity place to report a lost social all they do is give you a replacement but ca n't tell you if things have been open with your information.

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