milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with Integrated Recovery Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called me repeatedly and is now calling any number that was associated to me including my parents. I do n't even have a debt with them - I did have my identity compromised lately due to a data breach and strange things have been happening since then.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Account opening, closing, or management

Complaint: I opened a Chase XXXX Business Checking account with a coupon to receive a {$500.00} bonus when you deposit {$500.00} and maintain a balance of at least {$500.00} for 60 days. I deposited {$500.00}, waited 60 days and saw no bonus. I sent a secure message through chase online and got a response saying : 1 ) the original {$500.00} needed to be in " new '' money, 2 ) I should talk to the bank who could offer an exception to grant me the bonus as the original banker had promised. Firstly, the banker, who opened the account for me, told me at the time that I would get the {$500.00} bonus if I deposited the {$500.00} to open the account, he did not tell me the {$500.00} deposit had to be " new '' money. Thus, in front of him, I deposited {$500.00} to open the new account with other Chase money, not " new '' money. So I called the bank and the manager said her marketing manager would not honor the bonus as previously promised by the banker. I had just deposited {$600.00} in " new '' money to the account as a sign of good faith but the manager still said no to the bonus. I have been mislead and now seeking the {$500.00} bonus as originally promised. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to Experian, XXXX and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Deposits and withdrawals

Complaint: My bank sent an online payment to one of my creditors. The creditor said they never received the check. The check was cashed and endorsed but the endorsement was not one that the creditor uses. We sent an Affidavit of Forgery, Alteration, Counterfeit or Unauthorized remotely created Check to the creditor so that our bank could open a Fraud Inspection investigation. The creditor would not sign it because they say they never received the bank. Our bank can not open the investigation without the affidavit. We been going back between the creditor and our bank for over a year. The creditor and continuously refused to sign it.

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 02/28/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Other mortgage) with Seterus, Inc. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the get hope state program on my mortgage. I received paper work from my lender stating they were going to put me in foreclosure after being behind for two months. also received paper work from my insurance company on my mortgage saying i need to prove i am living in the residents or they will cancel my insurance due to the mortgage company putting me in default. So they offered me a forberance program which I was told they could n't do receiving state funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I was told over the phone with XXXX XXXX XXXX by XXXX in XX/XX/XXXX that my  accounts were closed. His company lied to me about services that would be available to me repeatedly in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Rather than close my accounts they quietly collected all of my remaining funds ( FRAUDULENTLY ) and then charged for 3 months more " service '' in the accounts. Now they have HARASSED me repeatedly, REFUSED TO ANSWER MY COMPLAINTS, and FRAUDULENTLY STOLEN MY FUNDS SINCE XX/XX/XXXX. The company allegedly records all phone calls and will not allow you to record them, but can not disprove my consistent and documented story. They have not responded satisfactorily to my complaints and are rude and unintelligent ( or perhaps poorly trained ) in my communications with them. This CORPORATE ENTITY is taking advantage of me, A HUMAN, AMERICAN, CITIZEN, and I demand that they and the CFPB resolve this issue promptly by immediately returning all funds in my account as of XXXX XXXX, and ceasing and desisting any and all attempts to collect the fraudulent {$60.00}. CHASE LIED AND NEEDS TO BE HELD ACCOUNTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had XXXX service for television, internet, and phone in a townhome I owned in XXXX. I sold that property to move into a XXXX, XXXX in XXXX, IA. I contacted Moving Matters, a moving company that specializes in moving seniors into retirement communities. They pack, help downsize, and their designers set up your apartment in the community. I had a cable box, modem and all the hookups needed for the above service. I assumed it was all packed and taken to the XXXX. I checked with the moving company and they said their records showed all items moved as promised. However they told me I would not have needed a cable box at XXXX as the cable was sourced through XXXX. If a resident had a flat screen no cable box was needed. I know I was using the same modem as I used in XXXX or one very similar. ( Model Name-XXXX, XXXX, XXXX ) I lived at XXXX very close to a year and for personal reasons decided not to stay after my grace period of 365 days. In all the time I lived there I was never asked about the cable box or any of the equipment issued to me in XXXX. I still maintained the internet and phone so XXXX had my address and contact information. 

I had lived in XXXX for at least four or five months when I got my first collection letter. This letter was my first knowledge of this debt. 
Date XX/XX/XXXX ; Original Creditor-XXXX ; Account # XXXX I have the Modem ( Model Name-XXXX, XXXX, XXXX ) in question and a HDMI cable that is XXXX 's I think. I do n't know what happened to the cable box from XXXX. Common sense tells me it was in my apartment when XXXX set up my XXXX system. I was not missing anything other possessions that I had marked for the moving company. 

I have several problems with this claim. 

1. If it is customary to return these items and the information I received with the present system made it clear that is the case, why was I not asked for the XXXX Cable box, Modem and other hardware when I left XXXX? 

2. What was used to hook up my system in XXXX? I would like to see the records of the installation in XXXX to check the Serial # of the modem used against the serial # of the modem installed in XXXX. 

3. Did the installers see the XXXX cable box when they hooked up XXXX. XXXX has assured me that XXXX does all the installation. 

XXXX only handles the equipment they use to distribute the signal. So their technicians would not been involved in my apartment set up. 

4. Why was I not notified of this debt before it got to collection?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MST Financial Services, L.L.C. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA.

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 05/26/2016 about Mortgage (Other mortgage) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My lot loan with peoples first was transferred to hancock in XXXX when the FDIC closed peoples. The loan was a XXXX yr balloon that hancock was not willing to extent or refinance. The loans was paid timely until maturity. i was unable to refinance with another lender due to the value of the property and the state of mortgage lending in general. It took hancock over 90 days to settle the loan and they agreed to accept less than the outstanding balance. although i continued making payments, this caused the loan to appear 90 days late due to the balloon feature. 

Below is a partial letter I 've sent to Hancock bank asking them to correct their reporting ... 

Hancock Bank Research Department Fax : XXXX, XXXX pages XXXX XXXX, XXXX To whom it may concern ; Please research and correct the CBR reporting for the lot loan on a property located at XXXX with a loan number XXXX This loan was purged from your active system in XXXX. 
This single lot loan shows on my credit report XXXX separate times, as a mortgage, a home improvement loan, and a trade line of unknown type. It also shows as XXXX separate items with 90 day lates, representing XXXX adverse trade lines. I 'm enclosing my entire credit report dated XXXX/XXXX/XXXX for your review. 
Also attached is an email I sent to XXXX XXXX in XXXX of XXXX documenting my conversations with him. I was assured by him that Hancock would resolve this issue in an expedited manner. 
Lastly, I 've added the Settlement of Debt Notification Letter dated XXXX XXXX, XXXX. 

Please contact me via email at XXXX or cell phone at XXXX as soon as possible. 

RespectfullyXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX I brought the house in XXXX 2006 on XXXX XXXX XXXX XXXX XXXX XXXX. 2 weeks later got laid off from XXXX XXXX XXXX as a XXXX a {$70000.00} a year job had Impeccable credit, could n't find a job back in my field do to the housing market. I found work in the XXXX 21/2 years later hired XXXX XXXX XXXX for bankruptcy, XXXX XXXX found a lot of Illegal Discrepancies in my mortgage papers the house should of never been sold to me the house was n't sell ready with proper paperwork knowing that the Title & Deed was n't the legal paperwork. They had NO Title or Deed, XXXX XXXX told us not to pay Ocwen because they did n't have the right paperwork to service the loan. We heard about the XXXX program to get refinance for our home turned in all the paperwork they told us that they ( Ocwen ) lost our paperwork several times, XXXX yrs. later XXXX XXXX called us for another appt.to talk about our case we were told that the statue of limitations is coming up and after that date he asked us what we wanted to do sit and wait to see if they come up with some kind of settlement for us to refinance our house if they do n't come up with any settlement and Proper Deed & Title in the amount of time as allowed that they ca n't touch the house legal..

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am trying to apply for a car loan and have a security freeze on my Experian account, I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file, I tried to call Experian they would n't help me over the phone so I logged on and put my phone number on file. Then they said I still had a federal fraud alert on my phone number which is impossible it 's the same number I have had for over 15 years. I just unlocked my security freeze 2 months ago and everything ran perfectly I ca n't get any answers or help from Experian and I am going to lose this deal. If I ca n't get this closed by Monday XXXX/XXXX/2016 it will cost my over XXXX in rebates and discounts.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my Trans Union, XXXX and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ME XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-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 non-monetary relief
Consumer complaint received 07/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (MI).
Issue: Can't contact lender or servicer

Complaint: I have not been able to get a loan for a week because the app unconnected from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (I do not know) with National Principal Group, LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting calls from National Prinicpal Group regarding a bill I supposedly owe. They 've also harassed my parents and my ex in-laws!? Finally spoke with someone and told them I never had a contract ( or heard of the company they said I was in violation of ) with or had an account at the bank they said I drew the loan on ( again, never even heard of the bank ). Told the woman calling to send it validation of the debt because I was debating it. Said she was sending time sensitive information that I needed to respond to, but did n't. Instead, 6 days later, I get a demand for payment, but still no debt validation. I do n't owe this debt and they keep harassing me and everyone I know but using different phone numbers. You block one and the spawn another.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent po report to XXXX, XXXX, and transunion XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau

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 09/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Dear Sir/Madam, I had taken out a loan on auto from Santander bank , in 2014 , i  paid off the loan on first week of XXXX . I asked the bank as well notified by confirming with the consumer bank team that the loan is paid off. Since then i am have been getting a run around from  address confirmation, shipping of title , release letter and so on, everytime  i call a new supervisor comes on board and gives a new story where they say the title and lien release letter has been sent via XXXX XXXX , sometimes they regular mail, 7-10 business days, recently employee XXXX supervisor refuse to verify anything, providing incorrect info from all previous supervisors. she again stated a new ship date which was again XX/XX/XXXX and she turner around and stated, its has to be notarized and a lien release -letter sent and then may be    days ..she  never wanted to give accurate info. I am very upset , since i recently sold my vehicle and the gentleman who bought was with at the bank as they told him 7- business days, but up till no i am getting run around . Please i need some assistance or push the bank to act and take responsibility for their actions.i can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried for months to get Equifax to remove inaccurate and/or unauthorized hard inquiries off of my credit file. The XXXX inquiries are not mine and I want them removed immediately because they are negatively affecting my credit rating tremendously. I have an Identity theft case with FTC since last year. Please help me!

Company response to consumer: Closed with explanation