milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Yesterday, I received a letter from  XXXX  XXXX  XXXX  with an address for Chase-  XXXX    XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  with a request to send proof of tax payment before  XXXX   XXXX ,    2017  or to fax  XXXX . They claim that as of  XXXX   XXXX ,  2017 , there are outstanding taxes for the property.   I called  Chase  customer service this morning and the customer service representative verified that we do NOT have an escrow account with  Chase  and then added the tax  specialist  to the telephone call. The tax specialist said the letter was a courtesy letter so  the   county  would NOT take our property for unpaid taxes. I verified on-line in public records that the taxes had been paid and the date paid is before  XXXX   XXXX ,  2017 .   I also went to the tax collector 's office and got a receipt yesterday afternoon.   The tax  specialist  did NOT answer any of my questions. The telephone call was NOT recorded in its entirety, the beep of recording began after I asked the tax specialist who sent the letter and would I receive another letter with resolution of the information in this letter.   I 'm angry, because for a courtesy letter, it said that they did not receive a response from us by  XXXX   XXXX ,  2017 , Chase would pay all outstanding taxes and penalties and interest for the property. We may also establish an escrow account to pay future taxes, which will cause your monthly mortgage payments to increase.   Important  Legal  Information This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, to the extent your original obligation was  discharged  or is subject to an automatic stay of bankruptcy under Title  11  of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter  ( including our use of the words " your, '' " loan, '' " mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.     If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.    XXXX   XXXX   Order  :  XXXX  Please help us to resolve this issue.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these

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 03-03-2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Delinquent account

Complaint: this company continued inaccurate balance and information to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I have a capital one account, I have received a deposit for selling my car over 5 months ago and bank hold my funds said, if there is no charge back they will close my account and send my money, I still didnt receive my check neither they closed my account. I talked to them and they told me in 3 months we will send it but nobody sends anything everytime I call they ignore it

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: After providing their internal file number for me ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

The items I asked to be investigated are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  not mine

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 07-01-2016 about Payday loan () with Sokaogon Finance, Inc. (NM).
Issue: Can't contact lender

Complaint: I am working with a credit counseling service to deal with my debt issues. The company, Green Pine Lending, is calling before XXXX local time and is also harassing friends.

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 11-02-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to Loancare in XXXX 2016. Upon notice we mailed a check to the address provided in the " welcome '' packet. After about two weeks and no sign of the check being deposited into my account, I contacted Loancare by phone to inquire. I was told it had not been received as of yet but not to worry because I have 60 days before there is a late fee assessed because it was a transfer loan. XXXX comes around and still no check deposited. I call loancare and they say they still havent received it. At this point, I go ahead and make a payment via the website ; however I did n't cancel the check yet because my bank charges a fee so I just hope they receive the check and apply it towards the next month 's payment. As of today, the payment still has n't been applied. In XXXX, I sent an email to Loancare via their contact us link on the website explaining that we will make XXXX 's payment by XXXX XXXX because we were having some hardship due to using funds for hurricane matthew. I NEVER received a response from them ; I went on the website to try and make a payment and was blocked from accessing the account page to make a payment ; however a week later, they send a collection agent to my home who leaves a big deliquent door tag on my front door with their phone number to call. Immediately following this visit, I contact the number and I 'm told by the collections representative that I am definitely blocked from my online account access until my account is current. I expressed my concern to him about their collection tactics in sending someone out to my home and he basically told me well you wont have to worry about that if your loan is current as if it were a threat. He also stated that the debt collector takes pictures of my home and submits it to Loancare. This was rather disturbing to know that someone could be watching my home/taking pictures. I then ask how can I make a payment if I ca n't do it online. I 'm then advised that I can only make a payment through them and there is an additional fee to make a payment with a representative over the phone. This fee is also in addition to late charges. I advised the representative I would call in later to make the payment. I tried calling the XXXX number that I usually call for automated account information since i 'm unable to do it online and I 'm blocked on there as well from accessing my account information after putting in my loan number and social security number as prompted. I do not think it is fair to block a customer from accessing account information electronically or having the ability to make a payment online when there is usually no cost to do so. They are forcing me to only have one payment option that requires an additional fee.

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 07/29/2016 about Debt collection (Medical) with I.C. System, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I saw a medical collection from IC Systems on my credit file that I was not aware of. I disputed the information with the credit bureaus because I did not know that this debt was for. But, instead of providing verification of the debt, the split it into XXXX different accounts and reported all of them to my credit file. So not instead of XXXX collection with a {$3400.00} balance, they are not reporting XXXX collections with smaller amounts.

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 05-03-2017 about Student loan (Federal student loan servicing) with Seben Hospitality Investments LLC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I have recently made payment arrangements to this company who promised to get me immediate student loan debt relief and have a monthly payment fee of {$0.00}. Before any further action is taken, I have been asked to pay high fees in advance of {$200.00} a month for 5 months. Out of desperation I agreed because this was a referral from a friend of ours and I really needed help dealing with my student loans.   The company I am talking about is Helping Hand Consultants :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , California,  XXXX  ;  XXXX   XXXX   XXXX . They ma naged to get direct access and control my Federal Student AID a ccount, while sending all my information to  XXXX  in which I was completely unaware of.    XXXX  is currently being sued by the CFPB for illegally cheating borrowers, and right now they constantly send me letters asking for payments on my federal student loans. I refuse to make payments through a loan servicer accused of illegal activities.   After doing research through the department of education, I realized that all the actions this company has been doing supposedly on my behalf can be done for free. Applying for student loan forgiveness and getting my student loans consolidated should have been free using  ED 's  free resources.   Helping Hand Consultants have been giving me lots of mixed answers to my question. I requested copies of documents that show proof of the new monthly payments for my student loans, but never received them. Eventually, I have been told by a different agent there that all my paperwork are to be received from  XXXX  from now on.   Please advise as to what I must do to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Credit card protection / Debt protection

Complaint: I have had a credit card in good standing with Discover since XXXX. In or about XXXX they started charging me a credit protection fee with out my knowledge. I was a student at the time and my parents paid my credit card bills so I never noticed the charges on the account. In XXXX ii was in a class action suit against discover for charging me this fee and received a check for this situation however with out my knowledge they continued to charge my account up until I took over my bills from my parent in XX/XX/XXXX when i noticed this charge and called them to immediately remove it as i did n't authorize these charges.. Discover states I verbally committed to these charges. # 1 I was XXXX # 2 If I was in a class action suit why would you continue these charges after the lawsuit? # 3 I have called numerous time with people at discover stating they would credit me yet i only received a credit for XXXX and a letter stating they are only willing to go back 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: LexisNexis has been collecting, compiling and selling my personal information without my prior consent nor expressed permission. LexisNexis has been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my XXXX XXXX and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( XXXX ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I seek redress, compensation and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (AZ).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I believe I am a victim of predatory lending. Around XX/XX/XXXX I made a purchase on a vehicle, a XXXX XXXX XXXX  from a car dealership in downtown XXXX area called XXXX XXXX XXXX ( May not be exact name ). The salesmen was able to get me a loan through a company called Lobel Financial at a desirable rate.I test drove the vehicle and everything seemed to be fine, until I took it home. This was the beginning of the end. I started experiencing problems with the vehicle within the first two weeks I had it. The transmission was " slipping '' in between 3rd and 4th gear, It was overheating and there was something going on with the engine. After getting stuck on the side of the road a few times, I returned to the dealership to try and get help with the problem to no avail. I ultimately had a mechanic look at it and he told me that the vehicle " would never run again ''. He explained that a new engine was needed in addition to my already existing transmission problem. I had already changed the thermostat, oil, and replaced the battery. I am a XXXX XXXX and I could barely even afford to do any of those things. At this point I was upset. I even contacted the finance company and received nothing but nasty language in return. At the end of the day Lobel Financial just wanted their money. If they 've kept they 're logs and stayed true, these problems should be documented on my account. It is my belief that I was sold a lemon purposely. There was a lot of pressure from the salesmen to " buy '' this vehicle because tomorrow could yield different results ( as far as monthly payments ). Now I have this on my credit report and would like it to be removed. This is unfair and unlawful. I have successfully obtained a lien against the car dealership. Now I would like to seek out a solution from the finance company which is removing this off my credit report. This is hurting my credit and stopping me from future purchases..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I write Equifax in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NV).
Issue: Trouble during payment process

Complaint: Please refer to CFPB complaint number XXXX & XXXX The issue has been corrected to some extent. Now the issue is that both Escrow History and Payment history are missing the payment activity date of XX/XX/2018 only. 

In the " year to date selection '' for both payments and escrow history the date of XX/XX/2018 is completely missing. 

In the " last 6 months '' & " date range '' options the date of XX/XX/2018 is not missing. 

Please see attachment for more details. Thank you Note : I have been in contact with a CitiMortgage rep by the name of XXXX XXXX @ phone number 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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both XXXX  and Equifax. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on XXXX and listed as closed accounts on Equifax. They should have never been added because the debts with the original creditors was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company Midland is trying to keep a very old debt on my credit file for over 7 years. The DLA is over 7 years. A statement showing I owe a min payment XXXX for $ XXXX is not evidence when this account DLA is. No credit card has a min payment of XXXX. This is violating my rights. I want this removed as it is PAST THE STATUTE OF LIMITATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I 'm submitting a complain against BOA in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local BOA and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.

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 03-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/17 I was notified by my XXXX carrier, Capital One Bank, of {$4000.00} in fradulent charges to the XXXX online store. My XXXX had been hacked and my identity was used to make the purchases. The hackers were able to change my password, lock me out of my XXXX, manipulate my e-mails, remotely print out a gift card from my XXXX and foward my telephone calls to a bogus cellphone number in order to keep me from discovering the hack. In investigating how this could occur, I discovered that XXXX enters into surreptitious ( probably financial ) agreements with certain vendors to provide them with updated credit card numbers without the knowledge or consent of the cardholder ( also true apparently of XXXX and others ). They call it the " XXXX account updater ''. That process is what allowed the fraud to occur, as XXXX did not have an active card on file for me. The charges should have been denied, and that would have immediately ended the fraud attempt. XXXX told me on the phone that I could " opt out '' with the issuer ( Capital One ). Capital One said it was XXXX responsibility. In a three way phone call that I initiated that included myself, XXXX and Capital One, they just argued about who had responsibility. The Capital One rep denied even knowing about the updater procedure, and actually said at one point that someone at Capital One that neither I nor he " would ever be able to talk to '' may have entered into such an agreement. Neither would reveal the opt out procedure to me. It seems to me that these behind the scenes deals made without the consumer 's knowledge should be outlawed. At the least, we should be able to " opt in '' if we view this as a personal convenience ( beyond the huge convenience that it obviously provides for the vendors ), and at the very least there should be a clear and easy way to " opt out ''. For the consumer, who is at risk of monetary loss as well as massive inconvenience, to be excluded from the decisionmaking process regarding the release of his personal information is completely outrageous. 
I filed a complaint with my state 's Attorney General 's Office Of Consumer Protection, and they advised me that your department has oversight on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: My funds are no longer secure at Wells Fargo. Advertisements have infiltrated between line items of my checking account online, a breach of ethics and privacy. I have tried from XXXX, 2016 to present, at the corporate level, to have them removed and get an answer as to why it was initiated XXXX XXXX # XXXX XXXX. They have been unable or unwilling to remove them. I have lost control of my account and so has Wells Fargo.

Company response to consumer: Closed with non-monetary relief