milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: I confronted TDbank in XXXX ma. I explained that our accountant XXXX XXXX was in our opinion had stolen the funds from our lottery ticket for XXXX dollars. XXXX XXXX XXXX XXXX XXXX XXXX ma, has been charged and convicted .we had our house broken into all files stolen.police report filed .i closed this account and I have never received any paperwork on this account as we closed it and now XXXX tells me I owe this bank XXXX I owe nothing and this is interfering with me obtaining a proper safe home for myself and my XXXX child this account reports closure status unknown and a report date of XXXX/XXXX/12 I am still at the same address as i was and no checks ever got ordered to this account .TD bank needs to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Managing the loan or lease

Complaint: Hello, I am trying to report a violation of the fair credit reporting act perpetrated by Santander consumer usa. They have received a payment as of XXXX/XXXX/15 yet are continuing to report my account as delinquent. I spoke to a customer service manger XXXX XXXX whose explanation was that because this was an insurance payment it goes towards paying my balance and is n't considered a monthly payment but all my payments since XXXX have been insurance payments and my account has not been reported delinquent because it is n't delinquent. They have received payments well over the amount due. This is a direct violation of the fair credit reporting act. They have received payment yet are reporting my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was only 8 days overdue for my payment. I was initialy called at XXXX on Friday, XXXX XXXX, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, XXXX XXXX, the Citibank automated service started calling at XXXX ( immediately after human collector call ), XXXX, XXXX, XXXX, all were hang up calls except for XXXX when the automated service left a voicemail message for me to call Citibank immediately. Saturday, XXXX XXXX, 2016, the automated service called and hung up again. That is six ( XXXX ) calls within a XXXX hour period. I know they are all from Citibank as the same phone number and location come up on my caller id.

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 12/27/2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: information such as birth year is wrong on credit report, as well as previous addresses and previous employers. the items on the report i have no knowledge of before this report and have been trying to report fraud since 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 03/20/2018 about Debt collection (Medical debt) with Aargon Agency, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Contacted both companies on XX/XX/XXXX and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies. This is a result from a car accident I had back in XX/XX/XXXX with no fault of my, the other person was at fault and fled the scene, within 2 weeks of the accident the hospital put a lien on my name and send me to credit report agencies of not paying them when I was still in the hospital, had to file a law suit and it's in pending ligation.

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 09-01-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: J.P Morgan Chase Bank N.A. violated the Federal Trade Commission Act by making false statements. 
In Michigan, Foreclosing party must publish notice once a week for four consecutive weeks before sale and post a notice on property within at least 15 days of first publication. No such notices have been made. 
After denying me a loan modification, I disputed the underwriters wrongful decision, after 90 days, I received correspondence from THE Executive Offices of J.P. Morgan Chase Bank N.A., In this document, it indicated that my credit report was not used to determine my eligibity. However, Underneath that statement, contained the reasoning behind why I was ineligible and XXXX of the reasons stating that determining my bills and income, that it retrieved from my credit report, that I would be paying {$300.00} monthly in credit card expenses, not taking into consideration tat I was enrolled in the forbearance plan with those creditors. This situation was and is in violation of the fair credit reporting act. 

If a forced placed insurance is obtained on my loan then JP Morgan Chase Bank , N.A . failed to not over-charge myself for force-placed insurance and did n't warn me at least 45 days before it charged to a force placed insurance policy which would have given me time to buy me own policy. The servicer did n't warn me first or again at least 30 days later. Lastly, generally when being billed for force-placed insurance, the servicer should n't have over-charged me, which did occur and is ongoing. 
Chase failed send a privacy notice to me once a year breaching the Gramm-Leach-Bliley Act. 
Secondly, Chase also failed to give me the chance to " opt out '' or say " no '' to information sharing under certain circumstances and Chase failed to describe how they will protect the confidentiality and security of my personal and financial information. 
According to a Federal Reserve press release, banking organizations including JPMorgan Chase & Co. engaged in " a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing. These deficiencies represent significant and pervasive compliance failures and unsafe and unsound practices and I know I am a victim of these occurrences. 

Chase also recently did an appraisal on my residence this last mouth, the law states that I should receive a copy of that report. I have n't received a copy even after requested and I was charged {$350.00} for the appraisal without prior authorization or knowledge of this. 

And I am also a victim of assignment and securities fraud to which the assignment of my mortgage via J.P Morgan Chase Bank N.A, created a fraudulent document and forged signatures. 

Finally, this information was on public record - & gt ; ( A loan was issued by JPMORGAN CHASE BANK XXXX. ) This information is inaccurate. 
Please help me with these deeply concerning matters as I am being violated of my civil rigts

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Balance transfer

Complaint: I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with California Accounts Service (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: CAS had been trying to collect a utility bill that was discharged in bankruptcy. After numerous calls I finally mailed CAS written response in 2014 and the calls and letters stopped. 2 years later they report a collection to credit bureau and without written notice. I only find out during a family move and finance transaction - which adversely affect my moving and financing ability. CAS has not accepted any responsibility or demonstrated any willingness to resolve, correct or remove reporting. 
They will remove report if I pay them or prove to them that they made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence. 

Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ). 

I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}. 

I hope I get the justice I receive. 

Thank you for taking the time to consider my case. 

I can be reached via email at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For a very long period of time, years in fact I was unable to pay my monthly student loan payments. Several times I had called the lender XXXX/Navient in an effort to have my payments lowered. There were times initially that they mentioned I could just pay the interest amount on my loan, but even that amount was too high. There were also several times where I would present all of my living expenses to them to show what my monthly income was, and I was told that I made too much money and that my loan had to be placed in forbearance so I did n't make payments on it. These actions ultimately raised my interest amount on the loan. It was n't until recently in the last year that I was able to set up my loan on auto pay from my account monthly after several years of trying to lower my payment. Only now is my income substantial to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: inaccurate dates keep refreshing and gaining interest the company JEFFERSON CAPITAL SYSTEM.  illegal refreshing tactic not accurate with the 7 year statue. also in the CFPB forums is the same common tactic used and complaint filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Care Credit has charged my interest and has not removed it. This was supposed to be a 24 month SAME AS CASH. They never changed it from their standard 12 months. The provider has called them no less than 5 times. They also had names and confirmation numbers. I have also called many times and emailed. They refuse to correct this and just keep throwing us back and forth with no resolve. I need this handled.

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 06/25/2016 about Debt collection (Federal student loan) with Ceannate (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than XXXX XXXX XXXX ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to Owen Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per XXXX, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from Experian, XXXX, and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.

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