milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Application, originator, mortgage broker

Complaint: Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Metlife Home Loans LLC is one of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with Bank of America.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax identified a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files, the unauthorized access occurred from mid-XXXX XXXX XXXX 2017..  The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. Criminals also accessed credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance.
Then have been reporting me late for 7 months straight.
I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Extended fraud alert and all these inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with 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 05/30/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: i was registered as a cosigner on a student loan with citibank. in XXXX it was electronically signed. with out my permission. i was not givin any loan information as to the amount of loan or the intrest or payback policy of this student loan. i requested to be removed from this loan as co signer as it is not mine. citibank refuses to remove me and has also attacked my credit rating with this default loan. i am unable to work with citibank student loan on this issue. they are holding me responsible for this loan which is not mine. my credit rating has suffered for years with this problem. iam paying higher rates and not getting low intrest loans because of this. i request help in this matter. Thank you XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Closing/Cancelling account

Complaint: Card issuer closed my account without my knowledge or permission. I was not late or had any adverse reason to close it. When I called to inquire all they would say is that I closed it and if I wanted another card I would need to reapply like a new customer. This will hit my credit and affect it. I dont agree that I should have to apply again when I already have the card and applied & was approved the first time. I tried to dispute the closing of the card but the card issuer does not care and they are of no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: What a way to start the day! 

My checking account at Chase was hacked in great detailed and all my information was used to fraudulently order over {$350.00} worth of a dietary supplement from a company in California that is easily available locally for about {$75.00}. 

Chase can not help since all my information was " verified '' by the California company and it is now incumbent on me to prove my honesty! They suggested that I call the merchant directly to perhaps " work something out ''! 

I called the California company directly and a person with unintelligible English at an obvious boiler room call center tersely told me that I had to deal with my bank, wished me a good day, and unceremoniously hung up!

I called Chase back and they once again told me that the merchant had verified all " my information '' which, if all the current info on hacking on the internet is correct, can be easily lifted by hackers. They even said that the merchandise had been delivered directly to me!! 

Anyway, the Chase fraud staff told me to XXXX XXXX XXXX and I have been stuck with the {$350.00} charges! Oh ... ..but they did wish me a happy holiday!!!! 

Ya know, XXXX, the scammer went as far as telling Chase that the stuff was delivered directly to me!!! 

The " stuff '' is XXXX XXXX and XXXX XXXX. I opened an email from from these people offering trial samples of each product for {$3.00} ... ..I deleted the email when I read the tiny print that said an automatic shipment of each product would start at {$90.00} each if I did not contact them to cancel my " contract '' within 10 days ... ... that 's when I deleted the email and that was the total indirect contact I had with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX , Transuion and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on 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 12/19/2016 about Debt collection (I do not know) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Do not know what they are trying to collect for, have not had XXXX XXXX for years.Did not have them at the time they are trying to collect for.Have cotacted XXXX XXXX and they checked and told me that they have no record of owing them nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Husband & I Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served. We Request That Item Be Removed From Our Credit Remove. It Was Not Served To Us, We Are Are Unaware Of This, Plus We Are Unaware Of This {$12000.00} Debt.. It Is Fabricated. Please Remove And Contact Us. Thank You Very Much.

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 03/30/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX, a company in XXXX, California posing as a collecting agency for JP Morgan Chase bank, collected money I owed Chase bank but did not pay this money to Chase bank. Chase bank denied XXXX was their collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with Commercial Recovery Systems (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed XXXX XXXX over {$670.00} and that if I did not agree to pay them, then XXXX XXXX would sue me for triple the amount. They also said that I would be responsible for a {$1000.00} court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.

Company response to consumer: Untimely response
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: I received a letter on XX/XX/XXXX from my lender that my XX/XX/XXXX mortgage payment that was due XXXX XXXX, XXXX had not been received. The letter was dated XX/XX/XXXX. I received the letter 16 days later in the regular mail. The letter was mailed during the heavy holiday mail season. The 16 days spanned 4 weekend days, 2 holidays ( XXXX and XXXX XXXXXXXX XXXX XXXX, both Mondays ), and 10 business days. I received no phone call to alert me of the missing payment. 

I immediately went on my computer and paid the total amount due. I originally made the XXXX payment on my mobile app. I had been having problems with app crashes during the month, but the payment did look successful. I never realized the money was never transferred from my other account. On XX/XX/XXXX my phone was inoperable. It was evaluated at the XXXX XXXX XXXX on XX/XX/XXXX. Apparently, there had been a known bug that caused apps with notifications to fail that eventually disabled the phone. I did not know that my payment on the app failed until I received the letter from my lender. 

I provided proof to the payment research center from XXXX that there was an app failure. I complained that I had never been given the opportunity to address the missing payment because the letter was sent in the holiday mail and took 16 days for me to receive it. There was no effort on the lender 's part to contact me in a timely manner. I had no opportunity to correct the problem in time before the lender reported me to the credit bureaus. I worked so hard for so many years to get exceptional credit. My credit dropped 99 points as a result of the late payment.

I have gone through 2 escalations with my lender without resolution. The tech section noted app activity during when the payment was made, but can not confirm my sign in. They also said there was a " auto stop call '' placed on XX/XX/XXXX but could not explain it because I had never been late and thus I would not have been called then. They had no explanation for the 16 days their letter took to reach me. No provisions were in place for holiday mail. 

I have never been late in the ten years I have the loan. I pay the same way every month with the lender 's mobile app in good faith. If the technology failed, there should be a better mechanism in place to protect consumers. I do not believe that I was treated fairly as a consumer to receive a letter 16 days later that has destroyed my credit and will impact my life for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have continually received calls from Transworld Systems about a debt that was paid before it was sent to collection. We found out I was in collection when I received the first call last year. I explained to the XXXX, rude person that debt had been paid. I sent by email a copy of the online banking records. The calls went away for a period of time, only to start again. I have again explained that bill was paid, records were sent and told basically I was a liar. They are calling everyday now. 
I want it to go away. We pay our bills and deserve to be treated as such

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with Source Receivables Management LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX was listed as a creditor on my credit report and XXXX sold the account to XXXX XXXX. I disputed XXXX XXXX and in less than 30 days this account was picked up by Source Receivables Management. <P/>XXXX contacted XXXX and XXXX on my behalf and removed the account from my report. <P/>I DO NOT believe that XXXX had adequate time to resell this account to Source Receivables who claim that they received this account from XXXX. <P/>I am requesting that the new creditor submit to me validation to prove that XXXX has sold the account and they have not received this account through XXXX XXXX or XXXX. <P/>I request names and address of all to whom they contacted as well as date and time. <P/>I will be following up on this correspondence directly. <P/>The certified RR letter with tracking number was sent on XX/XX/2017 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted TransUnion regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX. 

I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE! 

I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit. 

They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus. 

I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation