milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several inquires that just hit my credit file and I did not apply for any of these XXXX inquiry XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX inquiry XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

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 02-02-2016 about Mortgage (Conventional fixed mortgage) with W.J. BRADLEY MORTGAGE CAPITAL (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. 
I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Account opening, closing, or management

Complaint: some one stole my check books although i was not 100 % sure where or how. i could only assume it happened on XX/XX/2015 when i went to wash my suv. on XX/XX/2015 my XXXX called notifying me someone was trying to cash a check but they would not honor it because the signature did not match with my signature, however my " chase bank account '' not only cashed XXXX different checks with no matching signatures on the same day XX/XX/2015 they would not refund me the amounts stolen and although i filed a police report. chase claimes it was my fault claiming " i substanially contributed to the making of the forgery '' REALLY?!! what is that supposed to mean .. why? didnt chase bank notice the signature did not match .. XXXX not only noticed that the signature did n't match but they contacted me right away to inform me and the thief was unable to get any funds from this account ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have arranged to add an additional amount to my monthly auto debit payments on my student loans. I 'm told that because my groups have different due dates, Nelnet will not make a payment on a loan group that is paid ahead, so interest grows and grows despite the fact that I 'm paying over {$100.00} per month above my minimum payments. 

This month, Nelnet took roughly {$150.00} above my minimum monthly payment ( as I set up ) and did not even cover outstanding interest on XXXX of my loan groups, paying only about {$8.00} for the month, and leaving over {$30.00} of unpaid interest. This loan accrues about {$8.00} in interest every week, which would lead to me paying about an extra {$70.00} in interest by the time they take another full payment, despite arranging for about {$300.00} in extra auto payments above minimum in that time frame. 

If I did n't feel like I had to check this account weekly to see how they decide to split my " automatic '' payment I 'd never notice that they 're letting some loans accrue interest ( higher interest loans ) while making additional payments on lower interest groups. It will not take long at all for this practice to result in my paying significantly more in interest than I save with the 0.25 % reduction. Why is it made so difficult for me to stay on top of my loans? No other loan servicer I 've ever had ( auto, mortgage, etc ) has gone out of their way to make it difficult for me to make my payments. Why is it that I have to log in to this site every time I want to take any semblance of control over my student loans? I ca n't even set up more than XXXX extra payment at a time, so if I want to pay an extra amount on a different group each month, that 's XXXX logins. 

I would guess I spend about 6 hours a month managing the " auto-debit '' on my loan to make sure Nelnet is n't taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was in default. I made arrangements with Seterus and applied for an assumption. It was approved, I made payments and then Seterus had my house up for auction and it was sold. I was able to stop the certificate of occupancy in time. Seterus admitted their mistake in court. This was in XX/XX/XXXX. Since then it has been a constant battle to get some sort of payment arrangement made. They keep giving me the run around. Saying this or that was not received. I have proof that all communications were received ( my own fax ) Most recent was a letter dated XXXX XXXX, XXXX saying they were in the process of investigating the issues I had brought up and will contact me. Yesterday ( XXXX/XXXX/XXXX ) I received court papers stating a motion to reset foreclosure sale date! I called Seterus today ( XXXX/XXXX/XXXX ) and was told " It looks like we are still investigating. " No other information. This is but a small example of all their evasive tactics to foreclose on my home ... .Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Im showing inaccurate information on my Credit report that is not mine & I have disputed with Equifax before which was removed & now XXXX XXXX XXXX has re appeared back on my report .I have explain to Equifax that I was a victim of fraud.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following item deleted as this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with EOS Holdings, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with NAVY FEDERAL CREDIT UNION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Checksmart Financial, LLC calls me multiple times a week for a debt that is not in my name even after being told repeatedly the person they 're looking for does not reside at my number.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from Halsted from about XXXX different numbers. I answer and that ask for me and I say yes and they ask for my social and I refuse to give it to them and they hang up. I have no outstanding debts of any kind and I am sure of it. They call me about three times a day over the last three days. They are harassing me without any reason whatsoever. They do not leave messages and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was already paid and I have contacted XXXX and told them that I have paid this debt XXXX to XXXX years ago. I also contacted the company which stated this should not be on my credit but XXXX refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX which Resurgent Capital Services aka LVNV Funding, LLC claims to have verified, and that I owe them in the amount of {$110.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. They continue to report this on my credit file which I have recently disputed with all three credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Checking account) with KEYCORP (WA).
Issue: Problems caused by my funds being low

Complaint: Bank charges me an overdraft fee but balance was enough to cover purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After becoming a victim of ID Theft, I obtained a police report from my local police department. With that, I notified all XXXX credit agencies, to put a fraud alert, or freeze my reports. I then filed a complaint with the FTC, and combined that with my police report, and wrote a detailed letter to Experian, explaining exactly which accounts have been effected by identity theft. I send these certified mail, and it has cost me nearly {$40.00} in mail. 
They simply respond with apparent " Stall Tactics ''. XXXX reply dated XXXX XXXX, says " Take some time and review your credit report, look for fraudulent activity '' I clearly told them of each account. I immediately contacted the Fraud department at Experian, with my " CreditCheck Monitoring '' service I have paid for for several years. The man I spoke with, said he thinks the police report looks " Fake '' and laughed. 
I assured him, it was not fake, and to contact the officer to verify the information. He advised me, this police report was not notarized, and therefore worthless. I got the document notorized, and faxed it to the Experian Fraud department. I followed up, with the notarized copy of the police report, and notarized FTC report. 
Experian 's response on XXXX XXXX, is to now include more information. Now it must have nearly XXXX additional pieces of information, I have already provided. 
I contacted the police department, and they do not complete separate police reports, simply because XXXX credit reporting agency refuses to comply with the law. 
Experian refuses to block the fraudulent information from my report. I am trying to keep up with this fraud as its piling up, and they will not even begin assisting me. I have spent XXXX dollars providing them all this information, by taking time off work, visiting police stations, and investigating several databases. They MUST start doing their job!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Mortgage (VA mortgage) with LoanCare, LLC (ID).
Issue: Trouble during payment process

Complaint: Payment Errors : LoanCare did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2700.00}. This payment should have been credited as a standard monthly mortgage payment and distributed to Principal, Interest, and Escrow. Evidence of this payment has been provided to LoanCare through email and a direct letter referencing Error Resolution Notice under 12 C.F.R. 1024.35. 

Had this payment been applied appropriately, I would not have been charged a late fee of {$110.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Therefore, I requested a credit for these late charges in the amount of {$220.00}. 

I have made numerous attempts to correct this issue by calling LoanCare customer service line on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also emailed documentation on XX/XX/XXXX ( LoanCare Ticket # XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Finally, I mailed LoanCare a formal letter referencing Error Resolution Notice under 12 C.F.R. 1024.35 outlining full details, proof the payment was made and received, and my account and contact details. 

To date, I have not received any acknowledgement of my inquiry or been offered any timeline for expected resolution.

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 07-11-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect {$16000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or everhad ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with  my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Rewards

Complaint: I was approved for a MileagePlus ( MP ) Credit Card from Chase Bank on XXXX XXXX, XXXX. For being approved, Chase Bank offered an enrollment bonus of XXXX flight miles on XXXX XXXX. I intended to use this card solely for out-of-state travel purposes, which I rarely do. 

My MP quarterly statement ending XXXX XXXX, XXXX did show XXXX enrollment miles, which I thought would be adjusted once my minimum {$2000.00} payment of purchases within 90 days of receiving the card was processed. Said payment was made on XXXX XXXX, XXXX. ( This was a requirement of the XXXX miles bonus program. I later learned the XXXX mile offer required only {$1000.00}. ) It was only recently did I realize that the more than XXXX miles accredited to my card since my XXXX XXXX, XXXX quarterly statement, still only accounted for XXXX enrollment miles. 

I called MP on XXXX XXXX, XXXX to request the balance of XXXX enrollment miles. ( The original cardmember agreement I received with a copyright of XXXX did not state the number of introductory bonus miles. ) I eventually spoke to a Supervisor in their XXXX XXXX, TX office. ( Her name can be provided upon request. ) She did not dispute that the original offer was for XXXX enrollment miles, but said she would not approve the XXXX additional miles since my credit card was approved more than a year ago. I asked if she could send me where in the agreement does it state this XXXX year limitation. She could not. She then stated it was their policy. I then asked if that was in writing. She said no. 

A recent web search revealed that this matter regarding MP 's enrollment miles has been subject to extensive discussion among consumers for some time. For example, see XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I contacted the B of A because I am trying to refinance my XXXX mortgage and have a lien on my property for XXXX. The Lien is actually in the name of California XXXX XXXX as it was a down payment assistance program. Bank of America has the loan ( Loan # XXXX ) and sends me a statement every month with a XXXX balance. This loan was discharged in a Bankruptcy discharge on XXXX Case # XXXX. On XXXX I asked Bank of America for a lien release on this loan. They told me it was still an active loan, I explained it was discharged in a chapter XXXX BK and asked to speak to a supervisor, they would not let me be transferred and then opened a research case on XX/XX/XXXX told me it would be XXXX days. I called every day to see if there were any notes or resolution which there were none. I called yesterday and XXXX told me there are notes on the loan from the research team but that he did n't understand what they are saying so he opened a case again and told me to call back in XXXX hrs. I have not received any phone calls from the research team or any letters. I now have XXXX business days to complete my refi.

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