milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I original had this overdraft line of credit on my checking account with XXXX Bank. however, due to a divorce I defaulted on the loan XX/XX/XXXX or XX/XX/XXXX. Due to the statue of limitation the debt should have been removed from my credit report XX/XX/XXXX. XX/XX/XXXX I submitted a letter to Portfolio Recovery ( debt was sold to them from XXXX XXXX ) requesting this debt be removed, and they responded they would not, and resubmitted it on my credit report XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Other

Complaint: I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Transfinancial Companies, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Transfinancial Companies has failed to VALIDATE account. This is a medical collection in which I am not aware of, and I want it removed from my credit file. I have filed a complaint with the better business bureau on XX/XX/XXXX, and their response was our records indicate that we received your request for validation. Our office researched and validated your account on XX/XX/XXXX to the address on file. That is not true. I have never received any validation with my signature on anything. 
I sent in a dispute in XX/XX/XXXX and requested that they provide me with documentation with my signature that was signed to VALIDATE that the debt is mine along with a signed HIPAA consent to release my medical records, and I have yet to receive the documentation Ive requested. Sending an itemized bill isnt a VALIDATION of debt. Transfinancial Companies is practicing illegal debt collection tactics and is causing tremendous harm to my credit report. If they do not delete this inaccurate information from my credit file I will pursue legal action against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In regards to Chase case # XXXX. I still need Chase to properly report the amount of mortgage balance sold to Caliber Home Loans. This amount reported when the loan was sold was incorrect due to an improperly forced placed insurance in 2009, which took 4 years to resolve. In the mean time during those 4 year, my monthly payments were misapplied to my account. Showing at the time that the loan was sold to XXXX that my account was in arrears 3 months when it actuality it was not. I finally received the return for the forced place insurance, but in the interim the loan was sold to XXXX. They are showing that I owe more than I actually do and I need for Chase to resolve this issue. Along with the waiver of late fees & any other fees and update the credit bureau as well as properly report to XXXX & have them also update the fees & credit bureau reports for me. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just received the response from the company ARS and they are once again not sending me any signed documents stating this debt belongs to me nor any information pertaining to show that this debt ARS is claiming is mine. Any information they have sent is just showing my name and charges received. It is still not confirming by any signature of documents or anything specific to show the debt from them is my debt. It could have been possible identity fraud due to my social security card, birth certificate, and passport were all lost together so Im trying to validate in anyway to see if this is my debt by a signature, photo in the building etc. I 've already reported my items lost and once again ARS is refusing to show me what signed documents or any information from the hospital they are collecting from that I was the one to agree to any charges. They are not even showing me the original agreement only sending a paper saying the debt is validated from another party and assuming I am the one who agreed to it.

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 03/30/2016 about Credit card () with DISCOVER BANK (OH).
Issue: Balance transfer

Complaint: I did a balance transfer on my Discover card. The interest is 0 % until a certain expiration date. The expiration date of the balance transfer is not on my statement. I called and was told Discover does not put the expiration date of balance transfers on the statements because they want you to call. 
This is vital information that is important to know. This information should be on statements.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: My mother past away. I reported her death to Chase bank & ensured her dept was paid in full. Chase then issue a refund on the account due to her rewards points. They will not speak to me on the account, nor will they issue a refund check. Yet I can see her closed account was a credit balance. I understand if you ca n't get me that money, however I want Chase 's business practices audited. They are even supplying the wrong phone number for return contact on their secure email communications through Chase.com. How bad do they have to get before the government intervenes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Related OPEN Cases : CFPB # XXXX TO WHOM IT XXXX CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security, Federal Reserve XXXX and XXXX else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE XXXX DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX BANK AND LETTER TO XXXX XXXX XXXX XXXX, THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO XXXX MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the Attorney General 's Office requested the letter I attached below Thanks Respectfully and Sincerely, 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 non-monetary relief
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Taking out the loan or lease

Complaint: For over a year I have been trying to get resolution for my auto loan mishandling of the title through USAA. I was purchasing a vehicle from my mother. USAA had released {$6000.00} to my mom while she was still in possession of the title, leaving the loan unsecured as I was was stuck paying a car loan in which I could not register or insure. The bank should have taken care of getting the title within 30 days from my mom and issued a memorandum title for me to register the vehicle. Instead I was being harassed that they still had n't received the title. I am the buyer, not the seller. Why was I getting bothered with, " where is the title '', when USAA had released {$6000.00} to my mother ( Seller ) without making sure they had the title in their possession. I was never given a memorandum title and I have been stuck in limbo paying for a car, because I did n't want to affect my credit, I ca n't use. The whole deal should be null and void because of what USAA has done. 

Around XXXX my mom had finally given USAA the title after months of trying only for her to send the title to me with corrections which the DMV would n't take. Due to the strained relationship with my mother and the relaxed attitude to get a replacement title, we had made an agreement with my mom that she was going to take the car back because she did n't want me to have the car because I was no longer family. After USAA being notified that my mom was going to take the car back, USAA and my mom 's shady dealings behind my back left me in my predicament of being left with an uninsured and unable to be registered vehicle. 

Even now that that USAA has gotten the title they have n't sent a memorandum title. I believe they realize they have messed up and are wanting me to ask for the title, so that they are legally protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Yesterday subsequent to a pending '' '' investigation vs chase n their dealings and after my cfpb reporting, n " PRIOR-TO-THAT '' I WAS TOLD MY DISPUTES WERE PENDING YET MY RECEIPTS ALONE TELL A DIFF STORY, ONE SAYS XXXX $ ANOTHER ONE SAYS $ XXXX (? ) {$10.00}, SOMETHING, I RECALL TAKING OUT XXXX $ BUT NEVER {$3500.00} MATTER FACT GETTING RIGHT TO IT THIS BANKS GUILTY OF " DESTRUCTION OF EVIDEMCE ( I.E. THE CARD ENDING XXXX, BEGIN GIG ,XXXX EXP XX/XX/XXXX(? ) YEA YESTERDAY I WENT TO THE BANK BECAUSE NOT ONLY HAS THIS BANK VIOLATED MY P.O.A ACCOUNT N MY MOTHERS LAST YEAR ACCOUNT DATA WITH XXXX!! VERIFICATIONS ON TELEPHONE BUT THE " UNLAWFULLY, WITH NO LICENSE N ILLEGALLY FROZE, SEIZED MY ACCESS TO MY CASH MY FUNDS ETC WITH NO ACTUAL PURPOSE OTHER THAN TO HARRASS ME, N TO RETROACTIVELY " COVER THEY XXXX XXXX XXXX BY FORCING, SCREAMING AT XXXX, THREATENING, XXXX, TO ANSWER QUESTIONS I COULD N'T, N MAKING ME " REDISPUTE '' THINGS FOR THE CORRUPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PURPOSES OF " BY SUCH SAID REDISPUTING, IT WOULD LEAD TO CARD BEING CANCELLED OR DESTROYED TO FURTHER HARM XXXX, DURING THESE PROSECUTORIAP SOON TO BE FINALITY OF OUR CFPB INVESTIGATIONS. I DEMANDED THEY NOT DESTROY THE CARD N REFUND MY $ XXXX {$3000.00}, &, {$110.00} IMMEDIATELY PLUS PENALTY THIS NEVER OCCURRED N STEAD IVE BEEN WE HAVE BEEN GETTING '' BLANK DOCUMENTS, EMPTY RESPONSE FRAUD LETTERS JUST LIKE THEIR SCAMMY FRAUD FILLED ATMS, TAKING PINCODES ISSUEING " XXXX MONEY '' THEN CONSPIRACTORIALLY '' WEEKS LATER- '' IM SHOCKINGLYEE, XXXX XXXX XXXX ( - ) AFTER THE 3PARTY CALL WITH # XXXX  EMPLOYEE AT XXXX CCARD VERIFICATIONS WHERE XXXX ON BEHALF OF CHASE DISPELLED! ALL MY INFO FUNDS ETC STATING {$4700.00}, ON CONFCALL , ) YET NEXT DAY XXXX $ WAS MISSING, THEN ANOTHER {$110.00} FOR GOODS ORDERES I NEVER GOT, THIS BANK AS PREVIOUSLY STATED BEFORE IS GUILTY OF ALLOWING NONNAMEMATCHING, TRANSACTION 'S NOT MATCHING CARD TO OCCUR, WHICH IS BIG FRAUD N FINE WILL ENSUE.EACH REPORT I MAKE IRONIClly from a " Straw '' XXXX, I get " after-fact notices n intimidation calls letters from chase no promising resolution or loan car help at all.therefore chase JP Morgan etal has gotten itself in XXXX '' and Its Scolding!!, .the account was opened with XXXX XXXX $ check, chase allows also cracking '' ccard, by their ATM 's n misquotes, innacuracies, its records to support its unlawful no licensed debt collevting '' chase is guilty off civil rights violations over week denied access to funds n any sense '' 2201-section 1968 civ rights statutes, n guilty of a breach

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My son went to school in XXXX university XX/XX/2005, I have a student loan for {$40000.00} still paying for 10 years. I called several time to the company that Have my loan ACS to try to lower my payments and they keep telling me That they need my husband information to applied for the loan to lower the Interest rate, my husband is not the father I been married with him for 8 years. 
Last week I decided to call an attorney and they asked me if I have the note From the lender, I do n't have any note I called XXXX school and they do n't have any Record of my loan, I called ACS and they told me that they have the note and Request a copy I was supposed get it in the mail in 2 days i never got anything. 
I really need some advise with this I 'm XXXX years old and still owe {$40000.00} in student Loan. I will appreciate if I can get some help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: In today I received an credit alert stating that this company XXXX XXXX, XXXX. Was collecting a debt for XXXX . This collection agency appeared on my credit reports todate. However they dated the open date for XX/XX/XXXX,2017. This company has never reached out to me informing me that they had received this debt. And that they now were trying to receive payments. I have disputed this company ( XXXX ) in the past. The company could not fully verify the debt was mines.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax is falsely withholding pertinent information regarding my credit file. I have called repeatedly and they would say they were transferring me to a speciality handling department, and then after transferred I asked them what kind of department was this, they would not give me a clear answer as to what this department really is. I have also noticed that Equifax posted a score that was lower than my actual score. I have called and advised them they that is was wrong based on my product they then blocked me from viewing my point and this is ongoing. I called this evening to advise them I was having the same problem and they said I would be able to get in tonight and it is still showing the same exact thing. I once told the rep I was recording the call he immediately transferred me to a department that played a message and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number to do so.

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: To W hom It May Co ncern : I have a credit card with Bank of America. On  XXXX .2017, I paid my " new balance total '' from the prior month of {$830.00}. I was quoted this balance total in my account summary, dated  XXXX 2017. On   XXXX  2017, I received my monthly account summary for  XXXX  and the  XXXX  statement lists an interest charge of {$9.00}.     I am writing to contest this charge because based on my understanding, cardholders are not charged interests when the balance total is paid. Pertinent information and assistance is greatly appreciated.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Dc XXXX from XXXX XXXX, XXXX XXXX Wire Inquiry from XXXX XXXX, XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL 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