milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My mortgage payment check was deposited into a XXXX XXXX account instead of nationstar. JP Morgan Chase has released my money to someone other than it was intended for. I filed an affidavit with Chase on XXXX XXXX, 2016 and am still waiting for my {$1800.00}. Chase stole my money. I want it back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower : XXXX. 
Property : XXXX, NY XXXX. 

I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am filing this complaint because Equifax deleted SEVERAL accounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Req uirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bus iness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under c lause ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 busi ness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserte d ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; a nd ( III ) a not ice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

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 Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Allied C ollection Servic Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  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 explanation
Consumer complaint received 10-05-2017 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: Multiple dispute attempts have been made to Transunion and XXXX to delete information this is not mine off my reports.

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 12-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: PORTFOLIO RECOVERY ASSOCIATES has made several calls before XXXX, the last being XXXX The time previous to this last call I had informed them I was in California and what time it was here - XXXX They are calling from XXXX VA. and chose to ignore the time difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been making my mortgage payments on time, but in XX/XX/XXXX was unable to pay my taxes. I set up a payment plan with my county and on the last payment, Ocwen set up an escrow and paid the remaining XXXX {$790.00}. I contacted Ocwen, explained the situation and sent them {$790.00} to get my escrow balance to XXXX and then faxed a letter requesting Ocwen close my escrow acct. And, I would make sure to pay my taxes. In ~XX/XX/XXXX Ocwen, sent my county XXXX from my supposedly closed escrow, and sent letters saying that I then owed them this amount. My taxes are XXXX. Freely admitting and in line with my intent to pay, I sent Ocwen XXXX ( my actual tax liability for the property ). Ocwen assured me that I owed them the remaining XXXX and would n't be attributing my mortgage payments to the loan until the escrow was paid off. Their research department was supposedly on it though. After more harassment, I discovered on some of the paper work they had sent me, that the XXXX was attributed to XXXX different PIN number XXXX was my property and the other was my neighbor 's property. I pointed this out to their effective research department and assumed that this would resolve the issue in short order. Not so, though they see it on their paper work, there is nothing they say they can do until the escrow balance is XXXX???? So, they 're moving along with harassing letters, some phone calls, notices on the door, beginning the foreclosure process, marring my credit, all they while they are cashing my monthly mortgage payments and the county tax balance is XXXX. I 've talked to several escalation specialist over a period of months. No resolution. I 've requested to talk to their supervisor, was told I would be contacted in XXXX. It 's been a week, no response and the letters keep coming. I been paying timely on this mortgage for 15yrs. I 'm beginning to pay down the principle and I think they may be trying to bully me out of my house. Or, some internal embezzlement at Ocwen? Some sort of funny business or bad business practice are afoot. I certainly patently tried to work out this issue with them that is clearly their mistake. Is there anyone else experiencing similar treatment with Ocwen?

Company response to consumer: Closed
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Although my refinance should have been a 'slam dunk ', unnecessary delays due to both loan processor incompetence and physical paper handling ( vs. electronic workflow/e-documents ) made my experience a stressful nightmare. After closing, I continue to have questions regarding calculations used when paying-out my escrow account. I believe certain values appearing on my [ new ] HUD are inaccurate, and my numerous requests to get clarity from the " Escrow Department '' go ignored. I 'm opening this complaint after several rounds of " phone tag '' and ignored emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (WV).
Issue: Taking out the loan or lease

Complaint: Sears XXXX XXXX XXXX XXXX keeps advertising Appliance Discounts as much as XXXX or 40-50 % off if you use " THE CARD '' It does not say SEARS Credit Card, it simply says " The Card ''. Sears also has a Save with Sears points card that we have. Purchases at Sears or XXXX count and add up over time to spendable currency. We went to our XXXX Sears XXXX here in XXXX, West Virginia. Immediately I asked if I could use my discount card and the awnser was NO. We had to have a Sears Credit Card. We applied and were DENIED. I am XXXX and bring home a little over XXXX a year, my Husband is a XXXX XXXX for the XXXX he brings home a little over XXXX after 21 years. We did have a Bankruptcy, brought on when I became XXXX. My company terminated me. I went from XXXX to 2 years later a little over XXXX. 

Here is my Complaint : " IS IT NOT DECEPTIVE to simply keep saying " WITH USE OF THE CARD '' which could be your points card, a Visa, MasterCard Etc, but repeatedly with every item, it states " with use of the CARD ''. No where does it define " The Card '' as a " Sears Revolving Credit Card ''. We get these hand bills over and over and over and over its the same language. 

I ask that you site them for DECEPTIVE and False Advertising as they should be saying with the " USE OF A SEARS Credit Card Only ''. Its humiliating to apply in a public place, declined and told well sorry thats the only way you can get it for that price. 

The Public should be informed and provided with directions on how to apply from home so they can be spared the humiliation of being turned down at a cash registered where other customers not only here that your turned down but all your PRIVATE Information, such as Social Security numbers, Dates of birth and Income, Employer etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was moving out of my apartment complex, The XXXX XXXX XXXX XXXX ( Formally XXXX Apartments ) in XXXX Georgia, and paid all the rent that i thought i owed in XXXX of 2014. I was verbally informed that i paid everything owed and therefore assumed my bill was fully settled. Several months later i got a call from a debt collector, Rent Recovery Solutions, stating that i owed {$720.00} for various reasons. I never received a bill from the XXXX complex nor did they attempt to contact me regarding this bill at any point. After requesting an itemized bill from the debt collector i concluded that i owed a partial months rent which i paid. That brought the balance down to {$440.00} which the apartment complex claimed were damages done to the apartment. I am disputing this for several reasons. 1. There was no move in inspection performed when i took control of the property. 2. There was no move out inspection performed and therefore my signature is not present on the billing document. 3. I know that there was no move out inspection performed for the previous tenant as i am friends with him. 4. One of the items on the bill was marked as damage several months after moving out, this is not allowed by Georgia law. For these reasons there is no way for the apartment complex to accurately say i caused any of these damages. In addition Georgia law states that the complex is required to give me an itemized list of any damages upon move in, this was not provided. Georgia law also states that i must be present during the move-out inspection and sign the document to ensure an accurate list is maintained, i was not informed of any move out inspection and the documents sent to me do not contain a move out inspection, only a bill.Georgia Law also states that a move out inspection must be performed within three business days after moving out. One of the items on the list was added almost three weeks after moving out. 

Rent Recovery has been informed of all of these reasons and also told me that i could not contact XXXX XXXX to resolve this debt and must deal with them directly. After citing several Laws and filling a dispute with the credit agencies XXXX XXXX and XXXX have not removed this debt that they claim i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: i added a credit card from XXXX XXXX to my paypal account to pay for services i charged to paypal, including lyft and uber. i had previously used a bank account from XXXX XXXX XXXX to pay for paypal charges. without notifying me that the XXXX card was not used, paypal charged XXXX XXXX XXXX approximately {$34.00} in expenses from XXXX and XXXX and i believe XXXX. XXXX XXXX XXXX returned the payments. paypal repeatedly billed these expenses to XXXX XXXX XXXX without notifying me, and as a result i incurred upwards of {$700.00} in overdraft fees. ( to add context, i learned during this time period that my father has XXXX, and i have been distraught, i do n't just not check my bank accounts as a matter of course ) i asked paypal for a letter to explain the situation to XXXX XXXX XXXX, which they provided, and i furnished that letter to XXXX XXXX XXXX, but XXXX declined to refund the overdraft fees to me. i feel that i have been swindled, as I was charged over {$700.00} in fees for less than {$40.00} in overdraft. were this a loan, it would be usury.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with CITIBANK, N.A. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hell o All, Tha nk you in advance for your time and consideration in assisting in this issue. Abou t two years ago, my husband and I went to  Macys s tore in   XXXX   XXXX    Virginia to shop for  few items and after choosing the items we needed, we then went to the cashier to pay for the items and it was there that she ( the cashier ) said we could receive additional discount if my husband is added on my account which the cashier did and confirmed with us after completing the proce ss. One day  my husband went to  Macys i n  XXXX  Maryland and purchase a dress pant ( price range {$50.00} - {$70.0 0} ) for  me using my account information. But later found out after receiving a collection b ill ( of {$800.00} plus ) on behalf of Macys, an d contacting customer services, that my husband was never added on my account but rather another account was created without my knowledge and was never brought to my attention even when I always called to make a payment on my card no one in that department ever brought it up. The most frustrating part of this is that upon creating this account, one must expect to received separate bill under the account, a letter of notification of the new account created along wit h a Macys card but none was issued rather they ( Macys ) continues to accumulate charges over time which seems to me Macys is   more interested in making money than doing the right thing in that process. The most frustrating of all this is the lack of accountabil ity for error on Macys as  such that it has affected both of our credit. Does such practice not consider deceptive and shouldnt Macys accept responsibility for an error on their side? Lastly, every Macys customer service representative I had spoken with on this issue refused to provide me the account number in dispute this to me is unacceptable in a manner that I 'm being held responsible for something I have no knowledge of or aware of it existence.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX I called Equifax to check the status of a dispute. I was unable to access my complete report, Equifax could not locate my file and asked me to send them proof of my identity to further process my request. It seems Equifax was updating my report at the time and it was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: I have repeatedly asked Toyota why my lease payment changed from {$390.00} to {$400.00} and also to waive accumulated late charges on account totalling {$420.00}. I have asked repeatedly why my monthly payment increased. The late charges occur because I missed XXXX payment cycle waiting for increase explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I pulled a copy of my credit report and noticed that TransUnion is reporting 2 things incorrectly. The first was XXXX XXXX XXXX showing in Bankruptcy and that is not correct. An account with XXXX  XXXX which is an unfamiliar account and I still do n't know who this is. I have disputed several times trying to get the two things resolved to no avail. If there is anyway your company could help me I would truly appreciate 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 05/26/2017 about Debt collection (Other debt) with Perfection Collection (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Perfection collection received a certified letter from me in   XXXX   of 2015   stating that my signature and initials were falsified by  XXXX  representative and that unless they could prove to me that the account was mine within 30 days they are not permitted to report this account to the credit bureaus. Perfection collection ignored this letter, illegally reported the {$3600.00} and have still not followed up with any communication proving my ownership of account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with U.S. BANCORP (NV).
Issue: Closing/Cancelling account

Complaint: So I paid a payment to pay off credit card it was XXXX balance in XX/XX/XXXX I paid a payments in XX/XX/XXXX no paymnets in XX/XX/XXXX and 3 payments in XX/XX/XXXX including the pay off so XX/XX/XXXX comes around my XXXX paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on XX/XX/XXXX I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to XXXX from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in XX/XX/XXXX was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my XX/XX/XXXX cash payment

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 02/20/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: For several months I have been trying to get XXXX to have XXXX XXXX XXXX to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that XXXX charged off in 2009. XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from XXXX XXXX XXXX or XXXX as an attachment to an email. My email address is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent this collection agency as well as the credit bureaus dispute letters regarding this account. i pointed out that i do not know what this account is and it is not mine. I also pointed out that Midland credit management was illegally adding interest and fees after the account had been charged off and sold to another company. I sent a bunch of disputes over and over some were certified and some were not. XXXX and XXXX determined that this account was not mine and they removed it but it is still on XXXX.

Company response to consumer: Closed with explanation