milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXXXXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
XXXX hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
US Bank hard inquiryXX/XX/XXXX ( not authorized ).

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 01/24/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE 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 non-monetary relief
Consumer complaint received 11/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE A MORTGAGE WITH CHASE ( LOAN NUMBER XXXX ) THE LOAN WAS MODIFIED IN XXXX. THE ISSUE IS WITH THEPROPERTY TAX SIDE. IN XXXX I WON MY APPEAL WITH THE COUNTYAND HAD THE TAX BASE LOWERED FROM $ XXXX TO $ XXXX ( XXXX ) CHASE HAS BEEN CHARGING ME ON {$670.00} AND EVEN WITH PROOF REFUSE TOTO RETURN OR ADJUST MY PAYMENT BASED ON MY APPEAL PROOF. 
CHASE IS ALSO INSERTING A FLAT {$800.00} PER MONTH TAX AMOUNTEVEN THOUGH EACH YEAR THE PROPERTY TAX RISES AND FALLS. 
CHASE IS HITTING ME WITH THIS EVERY YEAR THROUGH THE LIFE OFTHE LOAN. I ALSO WAS IMPROPERLY DENIED A LOAN MODIFICATIONXXXX/XXXX AND CHASE HAS REFUSED TO ALLOW ME TO REFINANCE ANDTHAT WAS BACK OVER TWO YEARS AGO WHEN INTEREST RATESWERE LOW. I WAS TOLD BY CHASE I COULD REFINANCE, BUT BLOCKSANY ATTEMPTS TO DO SO. 
THE BANK REFUSES TO RETURN CALLS AND EVENTHOUGH THE BANK ASSIGNED THE EXECUTIVE OFFICE TO HELPTHE XXXX HOUR RETURN POLICY IS IGNORED. THE BANK IS ILLIGALLYMAKING MY PAYMENT TO HIGH, HAVE HIT ME WITH AN IMPROPERARREARS PENALTY AND ESSENTIALLY WANT TO MAKE IT SO BADTHAT IT HOPES I WILL NOT BE ABLE TO AFFORD MY PAYMENTS ANDTAKE MY HOUSE. ALL ATTEMPTS TO WORK WITH THE BANK HAVEFAILED.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Payday loan () with Risecredit, LLC (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I PAID {$99.00} MONEY ORDER ONXXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT ON XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNTXXXX XXXX AND XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT XX/XX/XXXX. MY ACCOUNT # WITH RISE XXXX. RISE HAS PUT SOMETHING ON MY ACCOUNT WHERE I CAN NOT WRITE CHECKS OR CONDUCT ANY FINANCIAL BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a Capital One Secured XXXX. The XXXX was opened XX/XX/XXXX. I put down a {$150.00} XXXX XXXX towards the secured card. As of XX/XX/XXXX I was 120 days late and owed {$160.00} by XX/XX/XXXX. Without any notice Capital One applied my security deposit towards the balance of my account XX/XX/XXXX On XXXX I logged into my online account and made the required minimum payment due of {$160.00}. Capital One did not tell me my account was closed or that the security deposit was applied to the balance. As of XX/XX/XXXX the balance was XXXX. Capital One sold this account to XXXX XXXX XXXX. I have disputed this debt with Capital One, XXXX, and all three credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by Capital One and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that in XX/XX/XXXX I was 150 days late when in XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off in XX/XX/XXXX despite the fact the account was brought current in XX/XX/XXXX. Capital One XXXX refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. 
See attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX XXXX XXXX # act:XXXX {$15000.00} this company appears to not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: they are showing i have a debit when i do n't. best i can tell this is nothing less than an at lest three attempt of over billing a/k/a mail fraud. for a fee of {$500000.00} to them ( pluse court cost and attorney fees ) i 'll pull my checks, credit card statement, etc. anything less is wasting my time. This offer is only good for 10 days this fee does not include punitive damages, interest, insurance expanse, etc. that is to be determined by attorneys and/or jury. 
they have already been advised in writing these are nothing less than an attempt of ether paid or an act of over billing, just not mine.instead, just comment another act of over billing and punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NY).
Issue: Problems caused by my funds being low

Complaint: I am in the process of filing bankruptcy and thereby, collecting information for my lawyer. 
In XXXX XXXX, I had a PC Richard Credit Card from GE Capital consumer Card Company. They have informed me that the statute of limitations has run out. However, XXXX XXXX has been calling me endlessly to collect on this debt, including on a Sunday evening. GE Capital Consumer Card Company changed its name to Synchrony Financial in XXXX to reduce its exposure to the finance business. XXXX XXXX initiated a series of moves to separate this area of the company. That included the Synchrony Financial spinoff and renaming. I am reading on a consumer website that many unaware customers have had trouble contacting Synchrony Financial and thereby incurring interest/late fee 's and having their credit destroyed by this company as my credit was destroyed by this company. 
Please look into this company and I thank you for your time.

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 02/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX veteran and asked about the XXXX discharge program and was told there was no such program. I was informed that I needed to set up my account on auto draft after issues with payments being maked late that were not.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: BBVA Compass Bank had made a response back to me on XX/XX/XXXX. Compass Bank had admitted to making some errors and overlooked some information. At first Compass Bank stated that I owed them {$3300.00} dollars. Then they had went on and admitted to taking a refund of money back to them from the extended warranty for the car and also a refund on the GAP policy. So then they said that I owe them {$1200.00} dollars. The extended warranty cost was {$2500.00} and the GAP policy was {$350.00}. That would make the total refund that they had taken to be {$2900.00} dollars total. So the amount that Compass Bank had taken back to what they say I owe does not add up correctly. If I take {$3300.00} minus {$2900.00} that would be a total of {$420.00} dollars. So I have no idea how they had come up with the figure of {$1200.00}. The {$3300.00} amount is a figure that is on a letter from Compass Bank dated XX/XX/XXXX yet I did not receive that letter until the end of XX/XX/XXXX. Also seems as though that they had never returned my prescription medication. The cost of this medication is around {$1700.00} dollars for a one month supply. If I minus {$1200.00} from {$1700.00} that would be {$490.00} dollars. This medicine is something necessary for my daily wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my Experian and XXXX credit reports. These companies investigated accounts instead. Additionally XXXX   DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : Experian INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XX/XX/XXXX not mine XXXX INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been having some issues with OCWENLoan Servicing, because I believe they are not being truthful in trying to help consumers. Ocwen claimed they refinanced my mortgage, yet they added an additional {$30000.00} plus on to my principal. I 've been paying my mortgage for the past few years successfully and on time, yet I received a letter from OCWEN stating they have to increase my mortgage payment because I did n't pay enough toward my escrow account. Whenever I call them concerning an issue in regards to my mortgage, the person at the other end of the phone can hardly XXXX, much understand what I am saying. I have to constantly repeat myself. This company needs to be investigated in regards to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service ((CD) Certificate of deposit) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: In In XXXX I purchased a 3 year cd from Union Bank which was to be linked to the S & P 500 index and have a minimum return of 2 % per year. If the S & P went up I was to get a return that equal to the amount of increase. If the S & P went down I was to get 2 % a year on my investment of {$100000.00}. The S & P index increased 27 % in that period and Union Bank credited my account for only {$4900.00}. I should have recieved about {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. 
I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. 
I request this be corrected and removed from my credit file

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 06-12-2016 about Consumer Loan (Vehicle loan) with VW Credit (CA).
Issue: Managing the loan or lease

Complaint: In XXXX of 2007 I left the United States on a religious trip and before I left I called VW credit to explain that I would be leaving and not be in the US to make my car payment, they were helpful over the phone and suggested I use the one time offer of putting that month on the end of my loan. The representative was polite and explained I would fill out a form of which I did and I was very happy with the out come of my call. When I returned the following month to my surprise I had been sent a late payment notice and I was charged a fee and had a negative mark put on my credit. I attempted for many years for them to remove this error of theirs to no avail. I even paid a company to assist me in handling it which they were not able to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have attached a report from lexisnexis what you will see, Also what I will prove are two facts 1. they have my address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have attached a copy of my licence showing my correct address XXXX XXXX XXXX XXXX XXXX NY. Moreover I have never resided at XXXX XXXX XXXX XXXX XXXX as listed on their report. 2. Also take a look at their report it has a licence listed as NJ. I have a New York licence. I have attached a copy of my license as said proof. As you can see with their report attached they have incorrect also misleading information they have been providing insurance companies. How is this legal they are a fraud. As a result of lexisnexis false reporting I have suffered higher insurance rates. This has to stop immediately. I have enclosed the facts please review have them corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed Chapter XXXX bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Debt not accurately verified. No contract or signature for the following collection account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Trouble during payment process

Complaint: I has been a problem with quicken since we started the mortgage with our escrow payments. They analyzed my escrow account within 2 months of my loan started and they said because we live in the south they were doing us a favor so we would not lose our home to forclosure. As a real estate agent I 'm fully aware on how escrow account are done. It has been more tha n four y ears and still problems with my escrow. Today I received a bill for  XXXX  mortgage payments when my payment had already cleared my bank. They seem not to be working in a matter that is in compliance with the law and also very discriminatory comments on there service advisor part when I asked to speak to a supervisor none were able to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They have been calling and harassing my employer, my parents, my kids while they are at school my in-laws, sister-in-inlaws being very rude to them threating them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the XXXX credit report for a closed mortgage account with CHASE MTG the STATUS says " 120+ DAYS PAST DUE '', and in the details inside had the comment " Paid after forclosure proccess initiated ''. I have tried unsuccesfully to fix this innacurate info three times in the past 6 months. First, the Status is incorrect because the account was settled and closed with a Short Sale agreement. I called XXXX and they said that " 120+ DAYS PAST DUE '' is the " Condition of account when last updated by creditor or otherwise '' Second, the inside comment is not relevant nor accurate, because the settlement supersedes any other previous condition in the account, and it should be AT LEAST mentioned in the report. Chase itself afirms in the answer to my complaints : " Were required by the Fair Credit Reporting Act to ensure that our credit reporting is accurate. '' How accurate a report can be if fails to mention the current status and includes a comment about a condition that not longer applies?

Company response to consumer: Closed with explanation