milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I am getting approximately 10 to 15 calls from this company Credence Recourse Management. Today I got 5 calls in less than 40 minutes.. I work so I ca n't answer however all of the calls that I have received from them have never left a message in regard to why they are calling.

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 06-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (CO).
Issue: Struggling to pay your loan

Complaint: Please See Attached letter  and documentation regarding this complaint.. Complaint against Chase regarding changes made to HELOC Loan, Line of Credit , changing the payment amounts, principal and due dates. Chase Not sending an accounting or monthly statement or giv9ing us a good explanation. Not giving full disclosure  on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: OK ... .I have already filed a complaint with you guys regarding this company. I just saw an updated copy of my credit bureau report from Equifax, they had concluded their investigation, and they said that the account belongs to me. Ummmm, NO IT DOES N'T, because I DID NOT do this for one, and two, these people are impossible to talk to, I have communicated with them, and they were very rude. I refuse to contact them again!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with CREDICO. INC (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been making monthly payments to them, when I called to set up another payment with  Credit Collections Bureau,   XXXX  said I have legal paperwork for this but then took my payment. I have had a different situation with this company where they tried to sue me for someone else 's debt and we were going to court on this and they dismissed it. I have not been notified of such lawsuit against me as well as the first initial letter they sent me to give me my 30 days to validate the debt had they would take legal action on me as well, again another FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with Alliance Data Card Services (SC).
Issue: Other fee

Complaint: XX/XX/2016, I made a payment of my Comenity XXXX credit card to pay off a balance. A payment was not due on the account ; however, I wanted to pay the card off. After a day had passed and the payment had not posted to my account, I contacted XXXX and discovered that the payment was to be deducted ffrom an account that is no longer active. I called and attempted to have the payment cancelled when I noticed the discrepancy to no avail. As there was no payment due on the account at the time and as I attempted to rectify the situation as soon as I was made aware, I requested that I not be assessed a fee. That account was removed frommy payment list. My XXXX account was at a " XXXX '' balance due to the erroneous payment so I was not able to put in a payment to correct the oversight. The account is always paid on time, has never had a returned payment and Comenity has the ability to waive the fee, but refuses. Even if I can not receive a credit, I think it important that this be recorded against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with D2 Management LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by phone by a company called D2 Management in, XX/XX/XXXX about a {$980.00} debt that I owed. They stated my wages would be garnished because of the amount of the debt, but, I could stop wage garnishment by paying a {$200.00} settlement amount. They emailed me the Final Notice with IRS CODE 26 U.S.C. 108 : US CODE SECTIO 108. So with in XXXX weeks I paid the settlement of {$200.00} and the company emailed me a settle letter. It wasnt until XX/XX/XXXX, as all of the new internet scams starting happening that I realized, the debt collection notice and phone call I received could have been a scam too. I instantly checked my credit reports from XXXX, XXXX and XXXX. No where did I see the debt amount of {$980.00} from D2 Management or a payment of {$200.00} to D2 Management. So then I called D2 Management and i spoke to XXXX. When I asked him, who the original creditor was, he stated " XXXX XXXX, you already know that infomation. '' He refused to provide me with any information about who I originally incurred the debt with. He did n't even give me a time frame or date.

Company response to consumer: Closed
Consumer complaint received 08/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX as Trustee wrongfully foreclosed on our home. 

1. XXXX is named indispensable party in Federal complaint. XXXX as Trustee wrongfully answered the complaint. XXXX did not answer complaint. 
2. Attorney for XXXX represented different corporate entities regarding XXXX in XXXX XXXX XXXX Court. 
3. Loan was still in original XXXX XXXX trust after the foreclosure and sale indicating the loan had not been satisfied and removed from the trust as the Pooling and Servicing Agreement ( PSA XXXX states should have been removed or replaced by a similar loan. 
4. No original note was filed in any court and note was not assigned to XXXX. 
5. Only a fraudulent XXXX assignment of Deed of Trust was presented in court. 
6. No corporate disclosure for XXXX was filed in federal court. 
7. XXXX Memorandums from XXXX should not be used in any foreclosure actions. This should verify beyond all claims that XXXX, as Trustee committed a wrongful foreclosure. 
8. Representative of XXXX states that XXXX has no equitable interest in any of the loans that it is trustee for. 
9. XXXX, as Trustee claimed to be owner and holder of XXXX loan in federal court. Memorandums presented by XXXX show XXXX, as Trustee is not. 
10. Attorney for XXXX falsely claimed that documents presented were original, true and correct and they were not. This attorney contradicted his statements regarding same which upon information and belief could be considered perjury. 
11. XXXX is registered to do business in Tennessee. XXXX, as Trustee is not registered in TN. 
12. Fraudulent documents were consistently produced by attorney for XXXX, Litton loan, etc., but were claimed to be true and correct throughout the federal complaint. 
13. The XXXX never received any notification that the loan had been satisfied. 
14. The XXXX never received any IRS form XXXX from any entity connected with their loan. Upon information and belief, this could be considered tax evasion by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am seeking validation from each creditor that has requested access to my credit report for as you put it " permissible purposes. '' I have contacted the creditors directly at your request and when the Customer Service Representative and supervisors was not able to pull up information on me, I requested a letter of Deletion as I was instructed by your agency to do. I was denied in my request since there was no actual account information on me. So I am curious as to how you were able to successfully validate this inquiries to be true and correct when the Credit Agencies could not. 
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
I am again requesting that you validate each inquiry reporting on my credit report as well as providing me the contact name, department, and phone or email address along with verifiable proof that they had " permissible purpose ' to request my information in witting. 
As already stated, the items you are reporting are inaccurate and incomplete, and is very serious error in reporting. 
Rather than admit nothing was done on their end, I receive a standard Brush Off answer that I 'm suppose to accept. I sent over a notarized letter indicating inquiries in questions which I have no knowledge nor provided authorization to obtain. These inquires are hurting my overall credit score and have been the reason for recent accounts denials. The information is inaccurate and unless they can provide me with proof of permissible purpose, I want those accounts 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 explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CARD Corporation (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Card.com decided on there own that they wanted to replace my card and charged me {$7.00} to have it replaced against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Self Lender Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I met this lady who claims to be rich on dating site ( XXXX XXXX XXXX ) ( XXXX ) XXXX she after 1 year and half starting asking to receive items under someone else not her name I got suspicious because she want it send to my address than I should sent to her so can sell them for money she have stolen thousands of cards for XXXX/XXXX XXXX systems /XXXX/XXXX products from hack accounts I advice her don't want part of it nor continue contact with her but she giving me her address where she sold parts before I met her am sending this coz not right she needs to get caught and arrested subpoena for access to her emails and cell your see what I mean plz arrest her coz I been hacked too ( XXXX XXXX XXXX   XXXX , California XXXX where she resides and the other is were she sold stolen items XXXX XXXX XXXX XXXX XXXX California XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX California XXXX isn't right how she been doing this not haven't gotten caught request postal/XXXX/XXXX to give records of packages she gotten thanks keep me Unknown.

Company response to consumer: Untimely response
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: Chase Bank has routinely delayed posting an online payment on my account to then charge me not XXXX but XXXX or XXXX additional overdraft fee charges. this regularly happens over the weekend, so I am careful, but then the charges do n't clear on Monday BAM I am hit with XXXX to XXXX additional XXXX dollar over draft charges. 

This is crazy. I am trying to save so that I do n't have to endure these charges, but this does n't fix their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with KEYCORP (MI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX Dear sir or madam, I have a problem with Key Bank. I opened my checking account at Key Bank, XXXX, MI branch ( XXXX ) on XX/XX/XXXX Everything went smoothly. After that, I received my debt card. Welcome letter. The branch also sent me a letter and want me to talk to their financial advisor. 

On XX/XX/XXXX I received a letter from Key Bank fraud detection and risk analysis department, Reference # : ( XXXX XXXX MM ). it is stated that my account will be closed. Key Bank also may furnish negative information to a consumer reporting agency. I called the Key Bank and asked for why. They did not tell me the reasons. 

The thing is I never have any negative bank balance and any bank issue. My credit score is at least XXXX. 

I would like you help me to find out what happened, clear my bank record and keep my checking account open. 


Thank you very much! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I started 72 month auto loan with XXXX XXXX XXXX in XX/XX/XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and Hyundai themselves on over 10 occasions ).
I had made the last payment on my auto loan on XX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me ).
There was another payment made on XX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XX/XX/XXXX.
There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment.
On XX/XX/XXXX, Hyundai advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to Hyundai, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points.
On XX/XX/XXXX, I sent XXXX, XXXX, XXXX AND Huyndai all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status.
On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be.
On XX/XX/XXXX, Hyundai, once again, reported my account to all three credit reporting agencies as delinquent with a XXXX balance on this closed account. As a result, my credit dropped another 62 points. 

I have made, again, in excess of over 5 calls to XXXX and Hyundai trying to get my report corrected and to get Hyundai to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because Hyundai wont correct their system. 

I am trying to purchase a home and this 62 point drop in my credit is preventing this from happening. Hyundai is not helping me with this matter in ANY way other than telling me to keep disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Trans Union are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX company was suppsoed to pay this amount but have n't payed this is incorrect 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 09/16/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have a capital one sharebuilder investment account. I want to close the account and withdraw the funds. When I was trying to do this I saw I had an outdated address on file and update it to my current address. Now they say that it 's not a valid address and wo n't let me withdraw the funds or transfer the money to one of my other accounts. My other 10 accounts with them have no restrictions. I called them on XXXX/XXXX/XXXX and spent 2 hours on the phone getting fingers pointed at other departments and one of the supervisors there implied I was a terrorist ( after being their customer for 10 years ). On XXXX/XXXX/XXXX I recieved an email again stating they are unwilling to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Loan #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   belonge d to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point   Wells Fargo noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.
I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the Wells Fargo responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the Wachovia acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the Wells Fargo represent  ative  XXXX   XXXX   ( Executive Resolution Specialist ) ref erenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter y et. 2  weeks ago I physically went into a  Wells Fargo Branch (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX  )  where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER F OR WELLS FARGOS LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by Wells Fargo

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.

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