milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Credit reporting () with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of said debt and request that it be removed immediately as it was reporting to all XXXX credit bureaus and negatively affecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I went to credit reporting site to receive my free annual credit report. To verify my identity and get my report I had to enter credit card info. Now company is billing me {$21.00} a month for this unauthorized service. They charged me four months worth of fees before i discovered charges. Now they will not return these fraudulent charges. These companies are using deceptive practices to get your credit card information then claim you ordered services.

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
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX i paid a real estate loan in the amount {$6900.00}. 
On XXXX/XXXX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a XXXX credit score of XXXX and XXXX  score of XXXX. 
Once these payments were reported my XXXX score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Rewards

Complaint: I signed up for Chase XXXX XXXX in response to an advertisement indicating XXXX points on XXXX XXXX ' frequent flyer program if I spend {$2000.00} within 2 months. However, i never received that XXXX points. when i called Chase to inquire about my point status, they told me it takes 3-4 months to update in the system. So I called back a month later ; Chase told me that my account actually was n't set up to receive that offer but instead it was {$200.00} credit and XXXX points, which was COMPLETELY DIFFERENT FROM THE TERMS OF THE DEAL I SIGNED UP FOR. Chase also told me that since i called back later than the 3 month time period, they ca n't change it back to the offer that I agreed to. THIS IS FRAUD. THIS IS PURE DECEIT. 

I have estimated the monetary value of this fraud. They cheated me out of XXXX XXXX XXXX point. The cost of a XXXX round trip XXXX miles, which costs about {$150.00} as a regular ticket. The XXXX miles they CHEATED me out of corresponds to about XXXX such round trips, which has a monetary value of {$1200.00}. I am absolutely livid and furious with their FRAUD AND THIEVING DECEIT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I receive at least one advertising letter in the mail a month from Chase bank. I do not have any accounts with Chase. I have not had any accounts with Chase. I do n't want anything to do with Chase. 

XX/XX/2016, I called Chase and spoke with XXXX. XXXX from Chase took my address and assured me the advertising mail from Chase would stop. It did not. 

On XX/XX/2016, I called Chase once again. I spoke with XXXX XXXX from Chase, and then XXXX 's boss, XXXX XXXX, supervisor at Chase. XXXX XXXX took my address and assured me that these mailings from Chase would stop after three weeks. 

I also filed a complaint with the California Attorney General 's office on XX/XX/XXXX, but all I got back was a form letter which did not address my problem. 

On XX/XX/XXXX, after getting the useless letter from the California Attorney General 's office, I filed a complaint with the Federal Trade Commission. 

On XX/XX/2016, I called Chase yet again after getting more ads in the mail. I spoke with XXXX XXXX from Chase. He transferred me to a supervisor, XXXX XXXX at Chase. XXXX XXXX was very condescending by saying things like he understands and " no worries ''. Very insulting and untrue. After XXXX XXXX 's bad behavior I asked to be transferred higher up. I spoke with XXXX XXXX at Chase 's executive office. XXXX XXXX took my name, address, and phone number. He verified my address down to the spelling and punctuation. He said someone else at the Chase executive office would contact me within two business days. 

On XX/XX/2016, I received a voicemail from XXXX at Chase 's executive office. XXXX said in the voicemail that I would no longer receive marketing from Chase but it would take 90 days for the mailings to stop. 

Today, XX/XX/2016, I received still another Chase ad in my mailbox. I called XXXX at Chase 's executive office. I left her a very long and angry voicemail because she and everyone else at Chase I spoke with either lied to me or can not do simple business tasks like removing me from their mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: We are filing a lawsuit in the amount of XXXX $ against Great Lakes if they do not remove the accounts from the Credit Bureaus. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Incorrect amount on what is owed. Nothing is owed on loan. Loan paid off

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Green & Sons Agency, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The company is reporting an outstanding balance in collection for a debt which I paid in full, or perhaps overpaid, through a Chapter XXXX bankruptcy. 

I disputed the information inaccurately reported on my XXXX credit report, but the collection agency refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Q   uick
en Loans needs to be investigated relative to their deceptive practices on offering their current customers refinancing as their practice prolongs the debt for the consumer and puts tens of thousands of dollars ( per consumer ) into Quickens pocket for miscellaneous fees. This practice also puts consumers in an unfair position relative to the housing market ( little to no equity ) and increases the amount of risk for both the lender and the consumer. About 4 years ago I financed my house with Quicken Lo
ans. Every year since they call me to refinance my house promising cash back and lower interest rates. They quickly collect a {$500.00} non-refundable refinance/appraisal fee up front and then drop you into the process.
In year two, I decided to take the plunge after being told I could take a large amount of equity out of my house and that my interest rate would be lowered ( same pitch as the previous year ). Upon providing Quicken {$500.00} to handle the appraisal, I was provided a breakdown of the forecasted transaction. This transaction did not show ANY cash back. In fact, it showed me paying roughly {$21000.00} in refinance fees to Quicken and a significant increase in my monthly mortgage. I immediately contacted the Director via email and told him what was going on. After multiple attempts at contacting them, they never contacted me back to resolve the issue. I cancelled the transaction and requested a full refund as I had all of their promises in writing. It took me contacting the Office of the President to get the matter resolved.
Each year, they continue to call me with the same sales pitch. I block th  eir number only to have them roll their number and continue to har  ass me with daily calls and emails. This practice is HIGHLY deceptive and has the ability to quickly put the consumer upside down in their mortgage. This should be illegal and is very unethical AND SHOULD BE ENFORCED by the FTC as Quicken uses this model to continuously pump enormous fees into an already existing account, while resetting the mortgage loan to day zero so people have no equity and never get out from under their mortgage loans. This also puts our economy at risk!
This practice is a violation of the UDAAP Act and their contact practices are also a violation of the TCPA laws. Consumers should beware before paying any fees upfron  t.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I financed my vehicle with Toyota financial in XX/XX/XXXX and was to make my first payment XX/XX/XXXX. I made this payment then my due date changed to the XX/XX/XXXX. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XX/XX/XXXX which was not due yet. I called Toyota and they told me they did not report false information and I need to handle it with XXXX myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX toyota again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Closing/Cancelling account

Complaint: I opened an account at XXXX with Synchrony Bank. During the holiday season, someone depleted money from my checking account. I called Synchrony to explain what was going on and informed them that until I had money to put back in my account I was not able to make the payment on the card. They said they understood and not to worry - DAILY I received calls 2-5 times a day as to when I was going to pay the amount due. Once I got the money, I paid {$150.00} at XXXX and the next week I got a collection letter. I am trying to bring my credit report up, not lower it. In addition, I have a Care Credit account with Synchrony. I was paying {$50.00} 2x a month until it seemed that more money than I authorized was coming out. I immediately went into Care Credit and removed any future payments and then called Synchrony to make sure they had no other payments listed that they would take out for. I was told they saw nothing. Next month they took out {$50.00} and they cashed the check I sent them for {$50.00}. I have an Amazon account with them, so far so good, but I am sure after I have complained to the FDIC you and the Ohio Attorney General 's office that something will go wrong with that as well. In addition, I have requested paper statements - it is hit or miss when I get a statement - though they say they are sending them to me. I have been reading many, many complaints online with regards to Synchrony Bank - I wish I had read them before now.

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
Consumer complaint received 08/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2012 my homeowner 's association foreclosed on the property I owned that was serviced by Ocwen Loan Servicing. Before the foreclosure, I tried to obtain a modification for 2 years. Since the homeowner 's association purchased the property in 2012, Ocwen continues to report 180+ days past due on my credit report. This is killing my score and has affected employment offers and kept me from being able to restore my credit and purchase another home. I hired an Attorney to find out what I still owe Ocwen - since the association now owns the property. However, Ocwen has not responded.

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Medical) with Credit Bureau of Howell County, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medicaid at the time of this medical service and my medicaid was fully responsible for paying the medical bill. I had medicaid at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with medicaid even after I provided my medicaid information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to XXXX XXXX was deleted from my Transunion Credit Report between XXXX XXXX - XXXX, 2017. Today I checked my Transunion credit report online and the company is reappearing once again. I had investigated this creditor with CFPB in the past and it was removed 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 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About a year ago, I noticed a ( what I thought to be ) fraudulent delinquent account on my formerly perfect credit report. It was from XXXX XXXX, who I have n't been a customer with since I moved from XXXX to XXXX 6 years ago. I later learned that it was because the cable XXXX had been in my name, and my ex 1 ) Never fully put it in his name, and 2 ) Never turned in the modem when he moved to another location in XXXX last year. I contacted him, he turned it in, XXXX XXXX confirmed ( I 'm sure they have logs on it ), and it was removed off my credit report. I checked my report last night, and low and behold, there 's ANOTHER overdue account from XXXX XXXX that is listed as OPEN and has been charged off to a creditor for a measly {$180.00}. I 'm not exactly sure what 's going on this time, but this is NOT my debt as nothing else was in my name with XXXX XXXX. Perhaps it actually is a fraudulent account, or maybe the debt collector made a mistake, but regardless, I have no responsibility in paying this.

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 01-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Bank of America credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still " processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Taking out the loan or lease

Complaint: Navy Federal and I agreed on an interest rate of 1.79 %. Once I put down a downpayment, Navy Federal changed this rate by doubling it to 3.59 % without notifying me. Put simply, Navy Federal lied to me about the interest rate to get me to sign up and then dramatically increased the rate. I called XXXX from Navy Federal who told me it was keyed incorrectly and that was " just how it was going to be. '' Navy Federal said they would remove my recorded phone calls where they stated the interest rate was 1.79 %. Navy Federal failed to do this review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation