milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016, someone opened up a Credit Card with Amazon/Chase. It was not me but they hacked Amazon and stole my information. I received it at my home, but they had used my old address. I contacted Chase and was informed that Amazon/Chase had had a security breach and XXXX account information was stolen from Amazon. They also stated that they are dealing with 100's of Consumer's that are having the same issue I am. I contacted Amazon who to their knowledge knows nothing about their security breach and were not very helpful. I am now a victim of Identify Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.

On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Mortgage company is not releasing escrow surplus refund afterhome has been sold for over 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

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 09-06-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, however some still remain and those Equifax claims there not reporting on Consumer Report anymore but they still areFraudulent Inquiries still remaining -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -This inquires still remain in my credit report, I need them removed like the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Problem with fraud alerts or security freezes

Complaint: I have had a fraud protection alert with Equifax for the past ~8 years, paid for by the province of XXXX due to an OSAP information leak. In early XX/XX/XXXX, I applied for a cell phone with XXXX XXXX and they were unable to access my credit file. I have called equifax and they initially said XXXX could not access the file - I would have to purchase a credit report and send it to them. After an hour of arguing, they agreed that XXXX could see the report if they provided my basic information ( name, DOB, address, etc. ). XXXX has tried twice more and can not access my file.

Ive now requested the fraud alert to be removed from my file, a process involving writing a letter, photocopys of identification, and faxing to equifax. Theyve now responded that my address was illegible, however the letter was written in XXXX XXXX so that can not be true. They also claim I didnt include copies of identification, which I have and can prove.

It seems equifax is trying to 1. Continue charging the province for fraud monitoring that I no longer want ; 2. Charge me to access my credit file every time I need a creditor to see it.

I have called to rectify multiple times and not once was I allowed to speak with a second line representative ( manager of some kind ).

Thank you for your help with this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Transunion that I am a victim of identity theft. The following accounts do not belong to me and I need your assistance in getting this matter resolved and these items removed from my credit file. 

1. XXXX 2. XXXX 3. XXXX 4. 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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has put a security alert on my credit that I did not ask for and shared this with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My house was illegally foreclosed on XXXX/XXXX/2015. The bank did not generate documentation that they legally hold the original deed and the title nor they showed any interest in numerous modification attempts that I tried. Please help me resolve this situation and get my house back to me. I know for a fact they have fraudulently foreclosed on me and the mortgage audit has shown that they have committed a securitization fraud at least.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade froze my account without warning and will not allow me to talk to them. The story behind this is quite simple, after I complained about unauthorized access to my account Scottrade became hostile and would not process my requests for an internal review. 

Instead, Scottrade hired a law firm that threatened to sue me for " defamation '' in the event that I continuing complaining about my account problems. In return I asked Scottrade for my account contract and they refused to answer my questions and instead sent me a blank form stating that I have been harassing them. 

It seams that instead of dealing with customers problems, Scottrade chooses to cut-ties with their customers in order to boost this profit and avoid paying for support staff. I would respectfully submit that Scottrade should provide me, as a customer, with the original copy of the account contract and also work with me in a productive manner to review things such as fraudulent transactions, account security, and the returning of my funds.

Company response to consumer: Closed
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I originally filed a dispute with TransUnion about an account they were reporting which does not belong to me. They did not conduct an investigation within 30 days as required. When I contacted them after 90 days, they " reopened '' the case as if it were a new investigation and then immediately said the case had been investigated. They DID NOT follow the law and remove the disputed item as they had failed to investigate it within the time frame allocated by the law. They then lied saying that the investigation was completed on XX/XX/2016. However as apparent in the saved screenshot I took on XX/XX/2016 of their web site it clearly shows that they had NOT completed their " investigation '' on XX/XX/2016. I filed a complaint previously here and absolutely NOTHING was done! I demand accountability from my government and this consumer reporting agency.

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 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jon Barry and Associates, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report that I did not authorize. I have tried to contact equifax on several attempts to remove these inquires and I have been receiving the run arounds. Hard inquiries such as XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). Fraud alert has been place on my credit report. XXXX XXXX XXXX and XXXXt ( coincidentally from the same bank ) accounts played part of identity theft.l and should be taken off my credit report. These inquires were not authorized and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Notified Diversified Consultants on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Advertising and marketing

Complaint: I was given a promotional offer for XXXX 2014 that I would receive 5 % cashback on all Theme Park purchases. I was traveling to XXXX XXXX so I used this card for all of my purchases inside of the Theme Parks. After I received my statement from the card I noticed that none of the purchases were given 5 % cashback, even though they were inside of the most well known Theme Park in the world. 

This apparently was due to the transactional coding that the merchant establishes. I contacted Citi-Cards XXXX times to resolve this but they would not offer any sort of compensation for this clear false advertisement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i disputed item is showing as a tax lien judgement and has been paid for years and shouldve been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They called my family member saying they located me by location services what ever that means. I called and asked them to only send correspondents through the mail and to stop harrasing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Payday loan () with Big Picture Loans, LLC (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have banked with USAA for 4 and a half years and this past week I attempted to login into my account using the mobile app and a pop-up window stated I could not be verified and had to contact USAA. When I contacted USAA they told me the first time that they had flagged my account due to suspicious activity but expected the issue to be resolved within three business days. I asked the individual why I had not been notified immediately and was told USAA had sent me a letter to my mailing address on Monday when it occurred. I finished the conversation with USAA on Wednesday night and tried to login the following day on the mobile app once again and again had the pop-up that stated I could not be verified so I called USAA again and was told that there was a note in my account that USAA was exercising their right to not do any business with me. I asked the individual why that had happened and he stated that USAA had found me guilty of being involved with the fraudulent activity that had occurred on my account in the past week. I was told that USAA was holding me liable for the negative balance in my savings account that had been used during the fraudulent activity. I proceeded to ask what would come of my direct deposit check that was going into my account the next day and was told they would hold it to pay off the negative balance. So I am now a fraud victim, that gave USAA 3 chances to try and fix the issue. I have also filed a police report because USAA would not release any of their investigative evidence to me as the account holder. They have frozen my funds and assets and wrongfully withheld my direct deposit leaving me without a way to pay my bills this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Allied International Credit Corp., (US) (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting repeated calls for someone I do n't know. I 'm receiving at least two calls a day or more. I 've informed them that it 's the wrong number but they still keep calling. This has been going on for about 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted TransUnion and in regards to removing inquiries off of my credit report being that i was a victim and there inquiry issues. For XXXX ( XXXX ) inquiries on my credit report. As followed XX/XX/XXXX 1 ) XXXX XXXX XXXX, 2 ) XXXX and 3 ) XXXX XXXX XXXX. XX/XX/XXXX 4 ) XXXX XXXX XXXX and 5 ) XXXX XXXX XXXX XXXX. XX/XX/XXXX 6 ) XXXX. XX/XX/XXXX 7 ) XXXX/ XXXX. XX/XX/XXXX 8 ) XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 9 ) 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 02/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I just check my statement and realize my balance is over {$1000.00} for a credit whose limit is {$630.00}. The last time I check the balance was 16 months ago and the balance was {$400.00} ish. I make my payment every month. From start, they have been charging me interest even though they said I have 24 months with no interest and after I realized they charge me more {$500.00} on extra fees, I called the customer service and they said they charge me 50 % of what the balance is. I don't get it. This is not alright.

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 monetary relief
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is a collection attempt on my XXXX credit report that has just come up from cfsi/ a.k.a. Commonwealth financial systems opened on XXXX XXXX the amount is $ XXXX.The original creditor is XXXX XXXX XXXX. Someone has stolen my identity. I have absolutely no knowledge of this creditor or account and because of this I will be placing life lock on my account. It seems there should be more done on the part of the credit reporting agency to stop identity theft. Please remove this fraudulent charge from my credit report.

Company response to consumer: Closed with explanation