milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX, I mailed my XXXX XXXX mortgage payment of {$1200.00} by USPS certified mail to Chase. On XXXX/XXXX/XXXX, Chase received my XXXX XXXX mortgage payment. Chase applied the whole {$1200.00} mortgage payment as a principal reduction payment. This is the second time in two weeks that Chase has misapplied our mortgage payment as a principal reduction payment. On XXXX/XXXX/XXXX, I mailed our XXXX XXXX, mortgage payment by USPS certified mail. On XXXX/XXXX/XXXX, Chase received our mortgage payment of {$1200.00} and applied the entire amount to a principal reduction. Both payments were clearly marked as a mortgage payment. Chase has not fixed either mortgage payment and has not sent us a mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Kay Jewelers reflects I opened an account o n  XX/XX/XXXX  which is not true. I have contacted them numerous times over the past 5 years. They have failed to act and state I owe them {$1000.00} which is simply untrue. I have called them well over 30 times this year alone and countless times years past. I have sent them faxes, emails, and letters to have this issue resolved. The latest set of letters were sent in  XX/XX/XXXX ,  XX/XX/XXXX and  XX/XX/XXXX . Kay Jewelers which parent com pany is  Sterling Jewelry  have failed to operate in good faith when someone who was obviously a victim of identity theft notifies them of such and tries to have said theft removed from their 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 06-12-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Bank of America accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached " counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, Experian and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.

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 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Currently, I have what is listed as a delinquency of 3 months on a bill of {$27.00}. I do n't recognize the company, nor do I recall incurring any bill. My credit score at the time this delinquency showed up as a collection was XXXX. In a week, it has dropped down to XXXX. I finally got a reference number for the supposed collection agency. I contacted them, and even though it was not my {$27.00} bill- I paid it. I pay off my credit cards all the time- I do n't forget bills. Meanwhile, when I deal with Experian ( I have credit monitoring through them ) - they say there is nothing they can do. I will have to wait XXXX45 days to get this removed from my report. But, my score continues to be recalculated lower, week by week, even though I have done nothing wrong. At the same time, I just received a job offer, who, of course, requires a credit check. This will appear on my credit report as a delinquency. But, Experian wo n't remove it, and the company I dealt with to get this removed may or may not contact the credit bureaus- I do n't know. Supposedly, they were going to do so, but have n't done so. So, I have derogatory information on my report- Experian says it is not their problem, and can only send a letter to have someone respond. If they get no response, then they will remove it. What kind of policy is that? If they hear nothing- they will take it off. But, meanwhile, I feel the impacts of something that I did n't even do! It 's so frustrating. This issue does not show up XXXX, but I am frustrated beyond belief with Experian. And, Experian also will not show or erase any of the history of my credit score constantly going lower over the next several weeks until this is resolved. So, I look like I have bad credit when I do n't. I look delinquent when I am not, and I can not seem to get an answer or find anyone who will help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a letter from XXXX XXXX XXXX XXXX stating that I owe them {$4200.00} for a Providian bank credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from Providian.This was in the XXXX. Even if this is mine from Providian it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by Providian Bank, So with that said I believe this is a violation of the FCRA or at the least a violation of Oregon State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an Oregon resident the company must be registered and licensed by the state of Oregon, which this company does not posses, Therefore XXXX XXXX XXXX XXXX is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of Oregon.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County Oregon. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of NV 's AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I hired XXXX XXXX XXXX to help me with my fix some items on my credit report that were not mine. After the law office submitted a complaint to dispute the debts some of the debts were taken out of my report because it was verified that none of the accounts were mine, but XXXX remain. One of the collection agencies wrote back stating that the debt was indeed mine and that in order to further prove it was not mine I needed to take several steps which I have but still they insist that I owe this debt. I do n't owe XXXX this debt, I had never had a service with them and I want this to me permanently from my credit report. I went from having a score of XXXX to now no score what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (TN).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX sold my mortgage payments to Seterus or XXXX and they are trying to foreclose my home saying iam two or three payments behind when iam not.Everytime I talk to them add a month and saying I owe {$2500.00} for two payments and my house payment is $ XXXX.Two payments is about $ XXXX.I believe they 're trying to rip me off.I know they 're trying to get more monies off me andy family.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: While looking at my credit report I noticed the name Navient XXXX. I called the company on XXXX XXXX, 2016 as I had never heard of them and wanted to get to the bottom of the negative marks listed on my credit report and why. I was informed that Navient was a sister company to XXXX XXXX and it was for a student loan. I informed the representative that I had gone to court regarding this matter and that the case had been dismissed. I was then asked if I had submitted any paperwork stating this. I responded that I had not as the attorney representing XXXX XXXX is who had it dismissed and therefor would have been responsible for informing their client. The representative stated that I had a balance of {$3900.00}. 
On XXXX XXXX, 2016 at approximately XXXX I received a call from someone by the name of XXXX who stated she was calling from the Law Firm of XXXX XXXX XXXX and XXXX in regards to a student loan for which I owed more than XXXX. I explained to XXXX that this matter had gone to court and was dismissed. I also explained her that this matter was being disputed. XXXX then informed that Navient did not share that information with them and they were not supposed to contact me. XXXX stated they would not be calling back but that I could send a copy of the discharged court case via email ( XXXXXXXXXXXX ). 
I have filed a complaint with The XXXX. Since filing the complaint Navient has placed a negative 30 day past due mark on my credit every 30 days and on XXXX instances two times in one month. The loan is listed on my credit report as charged off. In documents provided to XXXX Office Navient states the loan is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Vehicle lease) with NELSON AND KENNARD (CA).
Issue: Problems when you are unable to pay

Complaint: we have bill that was submitted to a collection attorney. we made arrangements to pay {$100.00} per month on the bill in the amount of {$1000.00}, with an interest rate of 10 % per annum. we have paid {$900.00} so far, however no money has been applied to the interest, and I was told by XXXX, that my original bill was {$2100.00}, instead of the XXXX. Then we have the court fees of {$220.00}, plus attorney fees of $ {$600.00}. The filing client is XXXX. the money paid has not been credited o interest or principal, it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: WFDS XXXX XXXX XXXX, XXXX CA, XXXX  has an inquiry on my report dated XX/XX/2016. No authorization was given and none can be provided by the company ; please remove per law or pay the {$1000.00} fine.

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 08/22/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IN).
Issue: Closing on a mortgage

Complaint: In 2005 I was approached by a man by the name of XXXX XXXX, told me he was working with a team of people that wanted to help lower income families create a stable environment .for family. He said they could help me get a home. Shortly after that I met with XXXX 's business partner XXXX XXXX. They assured me that I was in good hands and they would take great care of me. At that time I was XXXX years of age just moving from XXXX to XXXX and working at the XXXX XXXX XXXX XXXX. I was very naive and needed someone I could trust, I thought, " this is what I 've been asking XXXX for! '' The two men begin taking me to see homes, they showed me three homes but were very persistent on the house on XXXX XXXX. I decided to get that one. We closed on the house and I received my keys ... days later I begin to see that the work that was completed on the house was cosmetic. Plumbing went bad and had to be replace throughout the entire home.Floors were rotted out and had to be replaced and the electric had knob and tube wiring and needed to be replaced throughout. I also needed a brand new roof and the house had no insulation. I contacted XXXX and XXXX, they promised to return and make things right but never made good on there promise. When all that occurred it made me curious so I wanted to know more about the guys that I should not have trusted. I found out that the house was actually for sale for {$23000.00} they sold the house to me for XXXX. I was beside myself and very angry. the home was foreclosed on and went to the tax sale were I was able to purchase it for the taxes. I own the house out right but I still have that loan on my credit, which has basically ruined numerous opportunities for me to better myself and move on in life. This loan has with out question hindered my life! 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 08/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 12 Missed Payments {$0.00} DEPT OF ED/XXXX Student XXXX XXXX, XXXX Closed 8 Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed 3 Missed Payments {$460.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$670.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 1 Missed Payment {$7300.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 2 Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (LA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. 

In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. 

The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is  demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. 

Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the  home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with CITIBANK, N.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We had a mortgage loan modification agreement in which Citigroup XXXX XXXX XXXX XXXX did not comply with the Loan Modification. The mortgage was assigned to Citi from XXXX in XX/XX/XXXX. In addition as a result of a settlement agreement between the United States and Citi in XX/XX/XXXX, we and other consumers were to be contacted by Citi in regards to the settlement agreement and advised of our rights under it, however Citi never contacted us and most likely many other consumers about their rights under the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed