milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was notified by Equifax that my personal information was lost due to their data breach. This company needs to reimburse me for the charges they 've charged me for credit monitoring -- the reimbursement should include at least the period back to the date of the breach. Attempts to contact this company via phone are impossible -- they do not answer or the linese are busy. Emails are not replied to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: Overdraft fee of {$39.00} for a {$3.00} dollar difference on XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXI sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.

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 11-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: Chase Bank restricted my account, without any notification to me. Then says they are going to close it. When I called on XXXX, the lady implied that the closing of my account would be in a few days. Then I 'd receive a cashiers check in the mail within XXXX to 10 business days. I called in today to get a status and the lady told me pending the closure of my account, I 'd receive my check in XXXX to 10 business days. I demanded to know when my account would be closed by Chase and she said it 's scheduled to close on XXXX XXXX. Then in XXXX to 10 business days from that date, they will mail my check. All my money is in there, I have no resources to pay my portion of rent, food, gas, ANYTHING. I did not want to close my account, I have no idea why this is happening. This is unjust and they are going to put a family on the street and can not even give me a reason why they did this. Nobody has the right to hold ALL someones money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Closing on a mortgage

Complaint: I refinanced my mortgage XX/XX/XXXX due to XXXX not completing my refinance in XXXX yet I have been paying Chase since XXXX XXXX XXXX XXXX called and said that they need to be the originator again to fix the previous refinance. As of today XX/XX/XXXX Chase has not closed my account with my home loan and is calling to collect payments. XX/XX/XXXX I am supposed to be paying XXXX XXXX based in XXXX. 
How can there be two loans on the same property? 
I need them to close my loan so that it does not go into foreclosure and affect my credit. 
Somewhere between Chase and XXXX they lost communication.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I believe I am XXXX of the debtors that Navient has " systematically and illegally '' failed. 
I have been paying back my student loans since 2010, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX  in XX/XX/XXXX to check on payments, at that time XXXX XXXX  said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Medical) with Financial Data Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (TX).
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: Collection Agency Common Wealth Financial 
account XXXXfor $XXXX and XXXX for $XXXX
I have talked with this company and advised that this is for me and that they have no bill nor proof of my DL id or signature. I have disputed with XXXX, XXXX and XXXX and they have failed to remove this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Other financial service (Debt settlement) with Horizon Debt Group, LLC (DC).
Issue: Fraud or scam

Complaint: After speaking with the handler of my student loans and with the Department of Education, I was told that the XXXX XXXX XXXX XXXX XXXX Horizon Debt Group, LLC was not a recognized contractor of the Department of Education. 

On XXXX XXXX, I was contacted by XXXX XXXX, a representative from XXXX XXXX XXXX XXXX XXXX Horizon Debt Group LLC, who told me that I was eligible to have my loans reconsolidated and forgiven after a payment towards consolidation of {$900.00} and 36 months of payments of {$40.00} per month, starting in XX/XX/XXXX. On XXXX XXXX, I signed the contact electronically and authorized a payment of {$440.00}. Because I am on XXXX, I was told that my payments would be reduced and the amount I owe would be forgiven. 

However, I am not on XXXX XXXX. I was diagnosed with XXXX and had a XXXX earlier this year, and because of that, I am on long-term XXXX and am unable to work. I am also XXXX and have sustained some XXXX from treatment. 

I then received an email from XXXX, the Department of Education-approved handler of my student loans that my monthly payments were overdue. I called them, and was told they had never heard of this program, nor had they been notified of this. 

Yesterday, XX/XX/XXXX, I spoke with XXXX XXXX of XXXX/Horizon Debt Group, and was told that I needed to send an email to cancel this contract. 

I called XXXX XXXX XXXX to stop payment on the second scheduled payment on XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX Police Department Financial and Cyber Crimes Division and was told that since this was a civil matter, to contact a lawyer. Then I called the Ombudsman Group of the Department of Education to file a report. 

I do not want to put myself at risk of committing fraud and lying to get into a program to forgive my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have attempted on multiple occasions to correct an error on my Equifax credit report pertaining to a mortgage that was paid off XX/XX/2011 but is still listed on my credit report as an open account with a balance of {$440000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. 
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? 
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
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: I have a closed auto loan account with Ally Financial that I paid off in XX/XX/XXXX. It was reporting to XXXX, XXXX, and XXXX for its entire tenure. For some unknown reason, it stopped reporting on my XXXX  report. I contacted XXXX  for them to put it back on my report. I've sent in documents from Ally Financial numerous times to XXXX  and had Ally Financial to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to XXXX documenting the account.The loan still shows on XXXX and XXXX, but not XXXX. Myself, along with Ally Financial, have been asking XXXX to update my credit file with my Ally Financial account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with XXXX because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried on 4 seperate occassions to have Equifax Information Services update my personal information with correct information so that my credit report reports accurately. On XX/XX/XXXX, I mailed to XXXX XXXX XXXX a letter requesting a correction to my name and address. With this letter I included a clear, color copy of both my driver 's license, social security card, and the Personal Information page from the credit report PROVIDED by Equifax. On XX/XX/XXXX i faxed to XXXX a very clear copy of both my driver 's license and social security card to ensure that they had proper documentation to update my credit report. On XX/XX/XXXX I receive a letter from Equifax stating that they could not update my information as they were unable to locate my credit file in their database. It asked that I submit one item from their " Identification '' category ( pay stub, w2 or valid social security card ) and one item from their " Current Address ) category ( driver  's license, rental/lease agreement, pay stub with address, utility bill ). As you can see, I submitted one item from each category via mail and fax. I have a copy of my fax transmission report indicating that the fax with the requested documents was received on XX/XX/XXXX. On XX/XX/XXXX I received 2 more letters ( one addressed to my correct name and one addressed to an incorrect name I was asking to have removed from my report ), again, asking me to submit one item from each category. I am infuriated with Equifax 's stalling of updating my personal information. This is a clear attempt to keep outdated and inaccurate information on my credit report to the benifit of creditors and bill collectors. This is unacceptable and they should be penalized for such actions. I have included documentation of my most recent letters sent, the identification and address items, and the multiple letters sent my Equifax to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax recklessly failed to protect the credit information entrusted to them, including but not limited to social security number, addresses, date of birth, credit card information, bank account numbers, etc. exposing me to identity theft and other frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Application processing delay

Complaint: My husband and I submitted applications for the Chase XXXX Visa Card on the same day ( I believe XX/XX/2017 ). We were both told approval status was pending. My husband received two letters telling him he needed to contact Chase to verify that he had, in fact, submitted the application. I never received any letters. When my husband called on XX/XX/2017, he verified his identify and was approved. I then inquired after my application and was told it had expired and could n't be reactivated as it was out of the 30 day reactivation period. I asked to be connected to a manager and, after being put on hold for 20 minutes, was hung up on. I called again and was told I would receive a call back within a hour. I told them I was willing to wait, but they said that was n't possible. I received a message 3 hours later. I called back a third time and was finally connected to a manager, who again informed me I could n't have the application reactived because I was out of the 30 day period, even though I never received the letter and had applied on the same day as my husband. I would reapply but the card is no longer open for applications.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed the debit with XXXX XXXX and XXXX they took almost 3 months to give me any answers. This debit was bought by Portfolio Recovery a debit agency after 4 years. 
The creditor was XXXX XXXX XXXX XXXX merchant XXXX amount {$470.00}. I found out that I was in a public data breach with XXXX where my personal information was compromised and may have been used in identity thief. Portfolio recovery stated that this debit is validated with this XXXX company. My debit to them was satisfied years ago.When I found this on my credit report I disputed it immediately, then I found out I was in a data breach. I am protesting this and want it removed by the Collection agency. When I looked into this debit it was bought by 3 different collection agencies. This agency sent me a letter asking me if I wanted to settle my debit for {$160.00} now tell me this is not another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
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 have filled out a complaint with American Express for a charge made that I never received. I submitted the dispute on XX/XX/XXXX and the customer service agent from Amex said that contacted the merchant the day I made the dispute. It has been over 20 days and absolutley no progress has been made. I have submitted the documents they asked for and everything. Amex says on their own website that the merchant has 20 days to respond. It has been over 24 days and STILL they have not issued a chargeback. 

I have complained to Amex customer service, managers on the phone and NONE of them have even looked at anything I sent. The last person I spoke to said she was just now seeing the documents and the dispute itself. Then when I brought up the issue of it being over 20 days with no response from the merchant ... .she claimed they just contacted the merchant a day earlier ... .THREE WEEKS AFTER I MADE THE DISPUTE. This is contrary to what every other customer service agent stated. 

I also received a letter from Amex that said I had until XX/XX/XXXX to write a letter explaining my dispute. The letter was datedXX/XX/XXXX but only arrived at my house onXX/XX/XXXX ... .three weeks after it was supposedley mailed. I see no reason to have to mail anything when I have been on the phone for the better part of two weeks explaining and repeating myself to whoever I speak to from Amex. I have provided the documentation, XXXX is not responding to anyone, and I have to have close to {$10000.00} sitting idle for two months? This is extremely unprofessional.

Company response to consumer: Closed with explanation