milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney 's at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (Other mortgage) with MASON MCDUFFIE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I am looking at my credit report and saw an inquiry from XXXX on XXXX th which I did n't authorize. As per XXXX their Client Mason-McDuffie mortgage ordered a credit report and I have n't authorized either XXXX Mason-McDuffie to put hard inquiry into my credit report. I request that they removed this inquiry ASAP and no more inquiries moving forwardXXXX Miscellaneous XXXX XXXX, 2013 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: [ 1 ] Good morning - I made a total of 3 calls to Equifax to ask questions about the factors they are reporting are adversely affecting my credit. They have 3 factors that are of the same type : proportion of balance to credit limit too high/amount owed on revolving account too high/loan balances too high. <P/>[ 2 ] I am in the pre-qualification/pre-approval process of buying a home. Lenders pulled my credit, and I got the " Notice to Home Loan Applicant '' that states that if I have questions about my credit score or credit information to contact the credit reporting agencies at the number provided. <P/>[ 3 ] The first problem is that the number given does not give you an option to talk to anyone. It is a number to get the report. If you do n't request one, it hangs up on you. I Googled for another number, XXXX, called it before XXXX XXXX but the auto response said to call between XXXX and XXXX ( no time zone info given ). I called at XXXX XXXX and got the same automated outgoing message. <P/>[ 4 ] I was able to find a 3rd number, XXXX and eventually found someone to talk to. I talked to XXXX who gave me examples of when an account is too high that were obvious. If the credit limit is {$1700.00} and I am using {$1600.00}, that is too high. He could not give me specific answer. Is it 50 %? 55 % 5? When do you know it is too high that you report it as too high? <P/>[ 5 ] I asked to speak to his supervisor. I spoke to XXXX, who also gave me obvious examples ( like with my XXXX XXXX account with a {$360.00} balance with a credit limit of {$2500.00} ). When I specifically requested to know what does Equifax consider too high to report it as too high, she repeatedly said Equifax does n't have the criteria to answer that question. She asked me if I wanted XXXX 's phone number, and I said yes. <P/>[ 6 ] The XXXX number she gave me also does n't give me an option to talk to anyone, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Bank transferred the servicing of my mortgage loan to LoanCare, XXXX. I feel I was not given adequate notification of this change. I have not received a notice from LoanCare, XXXX. After realizing today ( XXXX/XXXX/15 ) that my automatic payment to XXXX was not processed from my checking account as usual, I immediately went through recent mail to find a letter XXXX, dated XXXX/XXXX/2015 ( received after this date ). The envelope appeared very typical XXXX. Like a statement, or marketing offer. There was no indication that my action was needed, or that there was any urgency to the notice inside. Therefore, the letter went into my pile of non-urgent mail. Despite the nonchalant envelope, there was in fact EXTREMELY important information inside about the transfer of my loan! I then went to the website listed for LoanCare, XXXX to find that I did in fact have a payment due on XXXX/XXXX/15, that I was 14 days late and had already incurred a fee for late payment! Is there anything I can do to recover my late fee? Also, I feel I should receive some basic information about my account balance at transfer, payments, etc. What action should I take? Thank you in advance for any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT STANDING. I am extremely responsible with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Billing disputes

Complaint: This company made me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact you numerous times and conveniently you are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Your agents have asserted that they will not return my money. This entire ordeal is sketchy! It has been my experience, while speaking with other companies such as Impact Knowledge. During the month of XXXX, my full time employer was working me XXXX hour shifts per day, six days a week. I made the executive decision to suspend my coaching sessions wherein a representative would XXXX XXXX XXXX train me on how to build my website my coach agree. My sessions were nowhere near completion. Then without notice you switched my coach. The new coach ONLY mission was to encourage me to register new credit cards my XXXX name, so I could be stuck in more debt, instead of starting business, appropriately. To date, I have yet to receive the product as described. 
I advised my credit card company of the situation, and the simply refuse to open up an investigation on my behalf. I even told offer this company the opportunity to remedy this situation directly. They told me they were XXXX company but charged me as a completely different company. Please get my credit card company to consider this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on your report

Complaint: My credit report is still reflecting late payment, however, I was modified and have been current on my loan for awhile now. Creditor agreed to remove all late payments with one being a bank error. Creditor keeps delaying the update although they have promised multiple of times.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per XXXX reporting regulations and the XXXX XXXX XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim XXXX XXXX ). Per law, any deficient of substantial and evident matters of fact XXXX XXXX ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXX

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 02-03-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following items are listed on my Equifax credit report erroneously : Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual Remarks : Equifax Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WAS UNABLE TO FILE TAXES THIS YEAR BECAUSE SOMEBODY ALREADY FILED UNDER MY NUMBER. I TRIED TO GO CHECK MY CREDIT SCORE AND IT SAID I HAD ALREADY CHECKED IT .... I HAVEN'TTRIED WITH ANOTHER AGENCY AND WOULD NOT LET ME PROCEED. 

I FILED FRAUD ALERT WITH CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in my chapter XXXX case in XXXX, after my case was completed in XXXX XXXX decided to turn this account over to a collection agent in the amount of XXXX it is listed on my credit report status as in collection, I have called XXXX XXXX on numerous time about this account no result.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 (WA).
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: I charged   XXXX   XXXX   (  XXXX  )  XXXX  on my BofA credit card on  XXXX   XXXX ,   XXXX   in  XXXX ,  XXXX . The merchant (  XXXX   XXXX   XXXX   )  offered me an option to pay the  XXXX  amount in  XXXX  which I declined -- the amount the merchant wanted was {$180.00}. I preferred paying in  XXXX  as the credit card compnay ( or  XXXX   )  would convert at a better rate. I did that for all my other charges on that trip and had no problems.     Later on it seem the merchant fraudulently changed the " decline paying in  XXXX  '' and charged me in  XXXX  instead. I could easily prove that if  BofA would get a copy of the original signed receipt. BofA  refuses to provide me a copy of the signed sales slip that shows I did not authorize a charge in  XXXX . This happened with many merchants in  XXXX  and I always declined paying in  XXXX  and had no problems on my trip -- -only this merchant fraudulently changed the option after my signature.     Today I have to pay  XXXX   XXXX  or BofA says they will spoil my  credit score  ... but they will not provide me a copy showing I authorized  XXXX   XXXX  ( which I did not! ) ... instead they claim this is foreign exchange issue -- which it is not!     The matter could easily be solved if BofA showed me a copy of the signed credit card slip -- - they will not because they know I did not authorize it. I called everyday for a month and they refused to provide a copy of the credit card signed transaction slip.

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 02-04-2018 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I've reported them to the BBB twice for their repeated & unwelcome solicitations. It stops for a few months then they go hire another illegal marketing firm to send more solicitations to nameless addresses to drum up business for their XXXX co.! They keep hiring illegal co. 's to buy my addresses & solicit me for accounts I have no interest in! I've done business with them in the past, they proved to not be worth it because their branch lines are slow, the terms aren't made clear on many things & complaints are not handled well. They just say " I'm sorry you feel that way '', that's all they know! I closed my accounts a year or more ago & refuse to have anything to do with them. Yet every so many months I keep getting their stupid solicitations that I didn't ask for nor did I give anyone permission to randomly use my address without my knowledge that includes the illegal marketing co. 's they & so many other XXXX business owners keep hiring! I received 2 of those begging solicitations onXX/XX/XXXX & XX/XX/XXXX. What part of leave me alone is just not clear to them?! They need to know the info they're purchasing was done without the knowledge of consumers! Chase is on every corner. If we want to do business with them then we know how to find them! Otherwise if we haven't opened up an account then that means we don't want to! Get the hint & leave us be! They are the ONLY bank offering consumers $ $ to open accounts on unreasonable terms! I don't know anyone that has the kind of $ $ to throw into a savings account that they are asking for! They're unrealistic & insane! If you have to pay people to open accounts what does that say about your business model? I've not seen any bank do this before. I'm a happy XXXX XXXX customer & intend to keep it that way! They've done right by me & don't send me unwelcome solicitations via email or any other way. XXXX is the only pesky bank out there bothering people & it's because they know they XXXX! So does their horrible CEO!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: One main financial XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Taking out the loan or lease

Complaint: My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. 
I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. 
Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. 
I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.

Company response to consumer: Closed with explanation