milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Taking out the loan or lease

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where capital one when I bought my car.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Common Wealth finance is trying to collect {$420.00} from me, but i never received a notice, nor recall owing that money to any collector. I 've made multiple attempts to contact that company, but I have yet to successfully speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, my debit card and PIN number was compromised. I scanned my work badge entering my workplace at XXXX at XXXX CST I used my card to purchase breakfast within my job in the amount of {$5.00} ( XXXX XXXX ) When I went to lunch at XXXX I attempted to use my debit card to purchase lunch at XXXX XXXX, again within my workplace- ( XXXX XXXX ) this transaction was denied, which prompted me to log into the chase app on my phone to check the balance. I notice 2 transactions on my account at the USPS in XXXX TX, one for {$1000.00} and another for {$880.00}. I then immediately contact chase and was told my card was placed on hold for suspicious activity. Thats why my lunch transaction was declined. I was told by the bank that someone used my card at an atm and used my PIN number -- Address of the atm was XXXX XXXX  XXXX in XXXX XXXX Tx at XXXX and XXXX XXXX I was at work at this time, and I never use the ATM to check the balance. Then the USPS charges were done at XXXX and XXXX XXXX, again I was at work with my card still in my possession.. I was told that the card was then again used at the same atm as earlier at XXXX attempting to withdraw {$40.00}. This attempt was declined by the bank because they already put a hold on the card. Again I was at work wit the card in my possession. I then attempted to buy lunch at my job ( XXXX XXXX ) at XXXX XXXX, 24 minutes apart from the Last ATM transaction. I have co-workers that provided a statement that I was at work in their presence and went to lunch together that can vouch of my whereabouts and witnessed me take my card out my wallet and attempted to use for lunch, even offer to pay once was declined. To get from the ATM in XXXX TX to XXXX TX in 24 minutes and get to the cafeteria in my job is impossible - Should show that there was a second card somehow. Makes zero sense for me to go to a non chase ATM TO CHECK MY BALANCE when Then can see I check my balance on my phone all the time. And to do it multiple times does not make sense. Also if the card declined at the atm using the pin why would I go to work and attempt to use the same card for lunch without calling the bank when there was more than enough money to make the {$40.00} withdraw. I dont out feel like a thorough investigation was done to protect their customer. If it was me, why would I commit fraud like that.. Im confused how they can deny my claim when I proved it wasnt me and I had my card, I also provided the police repot info I filed. 

Went to branch and was told that sound like someone used a devise to copy my debit card and pin # -- -- If the brach is aware of this type of fraud how can they deny my request

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received extensive XXXX services approximately XX/XX/XXXX my daughter received some minor services on the same date XXXX XXXX 2 to be exact they charged for 4 total she never received 2. I paid up until XX/XX/XXXX and I continuously asked for an itemized statement showing that the 2 charges of {$180.00} each totaling {$360.00} were removed and that I would not pay any additional money until I received this statement. on XX/XX/XXXX I went into the office and spoke to an employee XXXX who stated my account balance was $ 300- {$400.00} but he did n't understand the accounting of it and that XXXX who was in charge was on vacation and he would have him call me 2 weeks passed and I called and left message with XXXX for XXXX to call back he never returned my call. On XX/XX/XXXX XXXX text me stating my account would go to collections for non payment I advised him I have never received an itemized statement as I had requested he stated I could request from collections agency. I received a collection letter on XX/XX/XXXX in the amount of {$740.00} I will also be sending a letter to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with Liberty Credit Services, Inc. (MN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XX/XX/XXXX XXXX from Liberty called XXXX ( me ) at XXXX. I told XXXX I am exempt from you taken money out of my account. XXXX Started yelling & said I am not exempt for nothing. 
I sent Certified copy on my income which is XXXX XXXX XXXX on XXXX/XXXX/XXXX. Recd card showing Liberty rec 'd it. 
Also last year Liberty had my bank account frozen. XXXX when to court in and proved the income was from XXXX XXXX XXXX. Liberty did not even show up for court nor sent the paperwork in to court on what missing paperwork was missing. Judge ruled in my favor. 
Nothing has change. Yet Liberty is taking me to court again. I prove I have am exempt because I receive XXXX XXXX XXXX. 
They should not even be calling me when Liberty has rec 'd the paperwork. 

This is verbal and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Balance transfer

Complaint: I submitted an online credit application today 's date XXXX/XXXX/2016 to Chase Slate Bank for a new credit card. The primary reason I did so was because they were offering an option to transfer a balance from another lender with a higher interest card with zero percent interest for 15 months. As a part of the application I had to give them the other lenders account number and amount I wished to transfer ( in my case over {$4000.00}. ) even though I entered this amount in their application, when I submitted ( and got approval ) for the card, they gave me a {$1000.00} limit and made no mention of the transfer request. When I called them at their customer service number they said that the transfer limit maximum was {$1000.00} at most. I told them I never would have applied if the online application had indicated that. The CSR apologized and asked if I had any other questions. I told him I felt the online application was used as a tool to lure new card members and that I never would have applied if they had indicated the maximum transfer amount. Website I applied at was XXXX The representative I spoke to indicated on the phone that the balance transfer information I entered was NOT used as part of the application submission which I feel was a misrepresentation on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Report suddenly shows 10 XXXX loan accounts passed due 90 days. I am still XXXX XXXX and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately.
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX Services is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hi I stayed In XXXX XXXX apartment and after 16 months and I had a lease for six months which got expired in the month of XXXX 2015. I did not renew the lease and My landlarod agreed to extent the lease for 2 month but he did not sent any renewal lease papers .In the month of XXXX dated XX/XX/2015 he sent me notice to vacate the apartment. I vacated the apartment as per dead line and hand over the keys. Now he is asking to pay the rent for three months even did not return even my deposit. I am enclosing the Notice and letter sent by my Attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

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

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Private student loan) with AES/PHEAA (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was incorrectly reported 90 days past due on   XX/XX/XXXX . I filed a fraud package in  XX/XX/XXXX . After which, I called several times to check o n the status of the account, and I was told that servicing had been suspended and a credit bypass had been placed on the account until the dispute was resolved. I was told that I would be notified when the dispute was resolved and the next payment date, if applicable. I was never informed of the resolution of the matter and that servicing had been resumed until I called on   XX/XX/XXXX   at which time I was never informed about when the payment was due or that it had to be paid before    XX/XX/XXXX    to avoid negative reporting prior. Despite numerous requests o n  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  to obtain this information in writing via mail, I still havent rec eive anything. On     XX/XX/XXXX  when I called AES the last time, I was told that this information was sent to the borrower on  XX/XX/XXXX , but not the person that actually filed a fraud allegation against the borrower, which was me. Despite me opting not to receive electronic correspondence, on  XX/XX/XXXX  a  letter attached hereto as Exhibit A was sent to the paperless inbox entitled Loan Information for :  XXXX   XXXX  with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation.  The Guarantor of t he above-referenced loans disapproved the allegation based upon review of documentation. I was not aware of this letter until I spoke to the representative on     XX/XX/XXXX .  Accordingly, I was never given an opportunity to pay the past due balance ( which I should have been notified of since Im the listed as the co-signer ), which dated back to the time I filed the fraud allegation and was only due to servicing being suspended during the investigation. In essence, I was penalized for filing a fraud allegation due  to AES and the Lender failing to communicate the resolution of the case and when the payment was due. I also filed a credit dispute for AES erroneously reporting the  loans 90 days past due without notifying me the loan had even gone into repayment. I was informed today,   XX/XX/XXXX , tha t the information reported to the credit bureaus was determined to be valid, but I was not informed of a way to dispute the decision. In addition, I have still not been informed of the reason for the denial of the fraud allegation or the process for appealing, and AES will not send me another fraud package so I can resubmit the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX was sold to a company named Greentree. Greentree charged me for insurance, even though they had the information and evidence that the appropriate insurance was in place for my condo. They have now sold my loan to Ditech. I can not seem to get a refund from either company. It is a substantial amount of money as they included this charge for approximately over two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/XXXX Navient reported to XXXX my accout as a risk this in turn the added {$20000.00} interest to my loan increased my debt ratio lowered my credit score.
Decisions were made on the loan to increase it to 25 years without me signing or being told anything the plan is to increase by payments according to the rep by doubling them to nearly 500.00 per month which I am unable to afford.
I have never missed a payment or been late yet action has been taken to destroy my credt. I have spoken to Navient they make plans whether you agree or not this is unfair there has t be some recourse to their tactics.
I want my loan sent back to the XXXX XXXX XXXX since loan foregiveness is not an option at least they will give you fair payment schedule you can live with at age XXXX with a 25 year extention I will be XXXX years old.
I am not trying to get out of paying the loan just to be dealt with fairly so that I can live. My husband is XXXX now and I am retired.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Ref : Refinance Loan on XXXX XXXX, 2015 : This is an Formal QWR PMI bait & switch Complaint against " Ditech '' Ditech Financial LLC, XXXX # XXXX, A- Incomplete QWR and Fraudulent PMI Document ( Bait & Switch ). 
1. I received from first lender XXXX the original PMI a XXXX at closing XXXX XXXX, 2015 a document that specified XXXX of XXXX pages, but was ONLY given page XXXX of the XXXX pages. I was told by loan originator XXXX XXXX 's staff the PMI payment document reads the PMI can be cancelled after 2 years if no late payments and if the ( L/V ) Loan to Equity Value is enough to get 78 % loan to value ratio then the PMI cancellation application can be applied within a two year period. 
2. When I applied for an application form Ditech, they did a ( Bait and switch ) and submitted a totally different XXXX PMI document and has denied the PMI can be cancelled in 2yrs and Ditech NOW claim the PMI can ONLY be cancelled in the year XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cleared my apartment on XX/XX/XXXX-2012 With a move out balance of XXXX  dollars. Due to being XXXX XXXX Military and leasing with this company I had to enroll in the RPP program to protect service members as well as the company leasing the apartment. I have no clue why they charged me and continue to effect my credit. Attached is the document signed by myself and XXXX XXXX XXXX manager in 2012. I finally found this document when going through old files.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Rec, d notice of change in credit report.was advised to call XXXX After explaining to foreign accent agent and repeating info etc was told to call XXXX which was not real person or ability to talk to one.The choices offered did not seem to meet my needs.Waiting for other options, was cut off. 
Called original number back and asked to talk to supervisor whose first language is English.Initially was strongly resisted but eventually put on hold. 


The Equifax people have damage me, causing me great angst, repeatedly wastes my time and gives no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Private student loan) with JPMORGAN CHASE & CO. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Date : XX/XX/2018 RE : Complaint ID XXXX To Whom It May Concern : Thank you for your vital assistance regarding complaint XXXX, Chase /Student Loan Division. 
However, the correspondent, I received from XXXX XXXX XXXX, Chase, Executive Office on XX/XX/2018 did not address my concerns. 
I understand the debt was cancelled, yet when I was financial able to pay on the loan Chase refused the payment, nor would they reinstate a payment plan. 
My question is is it company policies or federal regulations reasons why Chase would not accept payments, after the XXXX was issued. 
Regard, XXXX XXXX P.S. My original concerns did not have anything to do with credit reporting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief