milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

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 07/15/2016 about Student loan (Non-federal student loan) with Texas Guaranteed (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Other debt) with Focus Holding Company (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Delinquent account

Complaint: My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt was satisfied in chapter XXXX by way of my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a first mortgage with Chase, on a home in VA I bought XX/XX/XXXX. Thepurchase price of the home was {$490000.00}, I moved from VA XX/XX/XXXX dueto a job change. At the time, the value of my VA home had droppedbelow {$400000.00}, and I had a first mortgage with Chase and a 2ndmortgage XXXX. As a result, I was in a negative equity situation. 
I have NEVER wanted to walkaway from the home or myobligation. All I have EVER asked Chase to do was refinance mymortgage to a lower interest rate XXXX currently at 5.75 % XXXX to lower mypayments to enable me to better manage. Instead, Chase will donothing. I could 've walked away from the debt and forced Chaseto foreclose, but instead am doing my best to continue to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: JP Morgan Chase has failed to pay our dispute JP Morgan Chase has failed to provide us their Dispute Policy and what are my rights

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I have an American Express Blue Cash back card. I have n't been receiving any cash back for 7 months. I first contacted Amercian Express on XXXX XXXX. They said The issue would be fixed in 30 days. It was not. I then called back XXXX XXXX and they said the money would show up at the end of the billing cycle. It did not. Today, I reached out again and spoke to XXXX with employee number XXXX. He said he could not give me a time frame for this to be fixed. I purchased an engagement ring as well as many other wedding related purchase and need the cash back to continue funding my wedding!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2015 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (OH).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 04-05-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX. I am being victim of banking fraud for mortgage since XXXX. My house is in foreclosure and I have applied for loan modification. Lender did not want to help us with affordable payment and we decided to exist the house by doing short sale since they told us they stopped sale date only with short sale application. However, they dont even want to help and lied to us about short sale. We have short sale package and offer is pending review. However, they dont want to stop the sale and counter offer with ridiculous. I believe that California Homeowner Bill of Right Effective XX/XX/XXXX, it added for avoiding dual tracking during short sale or review alternative options. All we need to be fair with us for any decision. They dont approve loan modification nor give us options to exist in peace. We are all retired and old and need peace in mind to exist our house. We want to continue the short sale and they must give us time and effort to help not just want to foreclose. We have spent time to explain that we dont want to foreclose because we need to look for another place to rent. With foreclosure record, it would be tough and hard for us to find replacement house due to foreclosure. Please help us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with American Capital Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in a car accident was XXXX and consequently had to have XXXX on XX/XX/XXXX the XXXX was performed by XXXX XXXX XXXX ( XXXX XXXX XXXX ). My case was settled in XX/XX/XXXX. At that time all medical bills and doctors ' bills were paid by XXXX and the Law Offices of XXXX XXXX XXXX I was sent a courtesy copy of what was paid and to who it was paid from both my attorney and XXXX XXXX and XXXX XXXX. 
Years later I get a bill from the XXXX XXXX XXXX stating that they sent my nonpayment to collections American Capital Enterprise, INC. I assured the receptionist that these expenses were paid. She informed me that I needed to pay the balance {$6000.00} At any rate they have not stop harassing me for payment that was already made to XXXX XXXX XXXX XX/XX/XXXX. They insist on payment that was already made and is now in collections. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit 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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hi, I noticed back in 2017 I had no inquiries and now when I check my credit report they have reappeared back on there, which has caused my credit score to drop. That is a violation of the FCRA and are inaccurate and invalid.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: On XXXX XXXX 2017 XXXX XXXX account number XXXX listed a 60 day late that was previously disputed and deleted. Trans Union placed the notation back on the report on XXXX XXXX 2017. 


I had disputed this with Trans Union and they reinserted it. This constitutes fraud on their part for not maintaining reasonable procedures in cases of disputed accuracy and violation of the fair credit reporting act.

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 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit report, and there are XXXX inquiries, of which I did not make. I sent a letter by fax asking hat they be removed, and I also called Experian directly and spoke with XXXX. He said that I would have to have a letter from each company stating that I did not request these inquiries to have them removed.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The company XXXX XXXX XXXX has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this account is not mine I have not signed a contract with them.. I tried to explain to this company via online and through the credit reporting agencies that these accounts ( ending in XXXX and ending in XXXX ) does n't belong to me. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. No transaction history and no billing history which shows some crazy balance amount for both accounts. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. They do n't answer their phone at all and have not provided the information I have requested as a consumer.I am not able to pay this account as it 's not mine.

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 08/29/2016 about Consumer Loan (Installment loan) with TIDEWATER FINANCE COMPANY, INC. (FL).
Issue: Managing the loan or lease

Complaint: Dear XXXX : I can not pin it down, but however I feel that I am taken for a ride. I had purchased a TV from XXXX for {$600.00} and financed it through Tide Water. I paid the loan that I owed and I am still receiving payment notices in the mail. I asked them what do I need to do to conclude the matter and close the account and the representative said to me if you pay today {$81.00}, XXXX XXXX XXXX dollars and XXXX cents, plus XXXX dollars processing fee ; I can finalized the account. [ {$73.00} + {$8.00} = {$81.00}. I told her that I can only make the payment on the XXXX of the month, since the due date is on the XXXX ; I should still be on time. She said if I did not make the payment today, right now on the phone, she can not guarantee that the amount that I owed to be the same. 
I asked her how did she came up with the {$73.00} balance ; since I had already paid {$100.00} the month before after the loan amount was paid. She said that it was a fee for paying pass six months. The amount changes arbitrarily ; she could not give me a definite amount for the late fee. 
I feel that it is a deliberate effort to take money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report from Experian and noticed the following information are in error : Credit Inquiries : The FRCA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX, XXXX/XXXX/XXXX XXXX Credit /OFF Lease, 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/XXXX I did not authorize these inquiries. I have called Experian multiple times getting very rude people that constantly hang up on you and tell you that you did ask for the credit inquiry when I never authorize nor asked for credit with these companies

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and XXXX. 

I have tried contacting both credit bureaus about this, as well as Synchrony Care Credit, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XXXX/XXXX/2017. 

This has been paid in full and should be noted as such on all three reports.

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 02/15/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( MCM ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The MCM acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted MCM on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.

Company response to consumer: Closed with non-monetary relief