milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Comenity Bank in regards to 2 Inquiries made on XX/XX/XXXX & XX/XX/XXXX & was advise they do not show in their system. However I contacted the Credit Bureau XXXX who shows inquiries on my report & XXXX advise Commenity must send them a letter to have the inquiries removed. I have several accts with Commenity and those are fine, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX .... there are 2 Inquiries that was not authorized on the dates I provided please research and have remove

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I applied to Chase for a short sale of my home which has a troubled mortgage due to repeated unemployment. The decision on XX/XX/XXXX was non-approval for the reason " The property is n't occupied by the owner and has been rented for more than XXXX year. '' I had left the area for a business opportunity, returned, had a XXXX day gap between when renters would leave and when the buyers wanted to close and had no knowledge during the XXXX month long application process that I would have needed to occupy the home. The non approval has killed the sale and almost ensured foreclosure. I was told by the representative at Chase that the HAFA program, which allows short sale of a tenant occupied property, ended in XX/XX/XXXX. I believe that is no correct and that the XXXX deadline is XX/XX/XXXX and that Chase had an obligation to consider me for this when short sale was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
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 contacted both XXXX XXXX and Walmart back on theXX/XX/XXXXand requested for the dispute remarks to be removed, as it was hindering me to obtain a home loan approval. I was told that it would take 30 days. After 30 days, I reached out to them again as the dispute remark was still on there. I just had my credit pulled today ( on theXX/XX/XXXX ) and the dispute remarks are still on there.
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I do know what else I can do, and why they will no comply with my simple request to remove/cancel my disputes, so that I can obtain a mortgage approval for an FHA loan.

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 12/28/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Applied as a co-signer for my son and the application was stilled denied. 
I am XXXX and retired, but carry an impeccable credit score / FICO ( XXXX, XXXX, XXXX ). 
Plain and simple - age discrimination and work ( retired ) discrimination, against SallieMae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote XXXX XXXX XXXX and wanted the account closed. Instead, XXXX  sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XXXX XXXX, 2017 was cashed.
Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute.
I am attaching the correspondence which is connected to Case Number ID 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 non-monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 sent a copy of an FTC affidavit of identity theft and a police report to all   XXXX   bureaus. By law they must block the information from my credit reports. To date,  XXXX  complied but Equifax has only deleted on account not blocked the information they were required to and I can not tell on   XXXX   if it has been blocked or not.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: I was an account holder at Chase Bank in XXXX. WA. I went to an ATM and saw I had about {$240.00} extra in my account. I thought it was strange so I immediately went into the bank to consult with the teller who was also a branch manager. I told her that I thought there wasnt money in my account, but it was a possibilty as i had just gotten a large deposit and wasnt sure if I had miscalculated my account. I explained this to her and she repeatedly told me that all my payments went through and this was my left over available balance. She then proceeded to list all of my transactions to make sure we werent missing anything. After I was sure we had went through all of them, I said I might as well withdraw the money. I withdrew around {$240.00} in cash and proceeded about my day. About 2 weeks later, I get a notification my account was around {$240.00} overdrawn and my account was being closed. I called immediately with little to no help. I went to another branch and the branch manager from another branch said he would give me a call to clear the air and get this resolved. Here we are about 6 months later, no phone call. I believe it is Chase Banks responsibility to notify and explain all account over drawn info. Also the fact that I was in the bank when i withdrew this money and was repeated told by the branch manager that I was in the clear and I was more than okay to withdraw this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Bank of the west locked my account without prior notice. Hope that they can unlock my account.

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 04-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a dispute letter to Equifax/XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX or XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from Dynamic Recovery Solutions who claimed to be representing XXXX. This is probably the XXXX call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " XXXX '' got this phony debt.. .nor do I know how Dynamic Recovery Solutions XXXX XXXX South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services in XXXX 2015. Carrington sent me a new escrow statement indicating that they have decided to collect XXXX of our escrow amount in accordance with federal law. My payment is increasing by {$130.00} a month. XXXX XXXX XXXX never did this and even when an escrow shortage occurred my payment increases were no more than {$50.00}. I am angry that a mortgage company is allowed to get away with this type of treatment. Particularly when the shortage has been artificially manipulated by making escrow disbursements XXXX month before they are due!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I HAVE SENT EXPERIAN NOTICES TIME AFTER TIME ABOUT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT THIS ACCOUNT DOES NOT BELONG TO ME AND I HAVE ATTACHED MY CERTIFIED UCC11 WHICH STATES I DO NOT HAVE A LIEN AGAINST ME FROM XXXX HIGH BALANCE XXXX. I HAVE ATTACHED THE CREDIT REPORT LISTING FROM XXXX I HAVE ATTACHED A DEBT VALIDATION LETTER FOR EXPERIAN TO COMPLETE

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit repor ting hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.

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 10-05-2017 about Debt collection (Other debt) with David B. Schumacher, P.C. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. David B. Schumacher , PC,  Attorney at Law, XXXX , OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. David B. Schumacher, PC, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XX/XX/XXXX or XX/XX/XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Hi there, I was one of the ~150 million affected by the Equifax breach. This was my experience trying to clean up the mess for myself.
1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. Equifax 's language is vague and misleading. Something along the lines of " you may
have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both Equifax and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar.
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and XXXX to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX Account Number Num : Balance {$640.00} Dear Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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 non-monetary relief
Consumer complaint received 10/15/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I received an email from Rushcard stating that they will be performing maintenance on XXXX XXXX, 2015 and I will not be able to access my account. As of today I still can not access my account and my paycheck was sent to Rushcard via direct deposit but my account still shows {$0.00}. No one will answer the phone and sent a message stating that the update failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: COLLECTION COMPANY OPERATING UNDER THE NAME OF A DISSOLVED CORPORATION  ( F IDELITY CREDITOR SERVICE,  XXXX   )  BOUGHT AN OLD JUDGMENT ( ISSUED IN  XXXX   XXXX   )  FROM THE OWNER OF JUDGMENT.   THEY FILED A RENEWAL OF JUDGMENT AT THE MERCED SUPERIOR COURT IN  XXXX   XXXX   (  PRIOR TO THE EXPIRATION OF JUDGMENT ) UNDER THE NAME OF THE DISSOLVED CORPORATION.   THEY CALLED ME NUMEROUS TIMES THREATENING TO RUIN MY CREDIT BY REPORTING IT TO ALL THE CREDIT AGENCIES.   I WAS NEVER SERVED WITH THE RENEWAL AS THEY SENT IT TO AN ADDRESS WHERE I HAVE NEVER LIVED.   IN  XXXX  I FOUND OUT ABOUT IT BECAUSE THEY ISSUED A LEVY AGAINST AN OLD BANK ACCOUNT.   I CONTACTED THE COURT AND TRIED TO APPEAL IT ON THE BASIS THAT THEY ARE A DISSOLVED CORPORATION.   THEY WENT AHEAD AND TRANSFERRED THE RENEWAL OF JUDGMENT FROM FIDELITY CREDITOR SERVICE  XXXX  TO  FIDELITY CAPITAL  HOLDINGS  XXXX  DBA FIDELITY CREDITOR SERVICE,  XXXX .   THEY CAN NOT BE DOING BUSINESS AS A CORPORATION WHICH HAS BEEN DISSOLVED.   CALIFORNIA LEGISLATION BUSINESS AND PROFESSIONS CODE CHAPTER  5 ( CODE 17910.5  ( a ) STATES THAT NO ONE CAN ADOPT A FICTITIOUS BUSINESS NAME  ( DBA )  WHICH INCLUDES " CORPORATION '', "  CORP. '', " INCORPORATED '' OR " INC.  '' UNLESS IT IS A CORPORATION ORGANIZED PURSUANT TO THE LAWS OF THIS STATE.   THEY HAVE BROKEN THE LAW IN BOTH INSTANCES.   I AM ATTACHING ALL PERTINENT DOCUMENTS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Delmarva Collections, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At first contact from " Delmarva Collections '' in XX/XX/XXXX, I instructed this company : to NOT contact me again, since this " DEBT '', is not mine. Check their " RECORDINGS '' of our conservation on this matter. 
Another one ( 1 ) ring phone call occurred in XX/XX/XXXX. 
Today, XX/XX/XXXX, @ XXXX, the second phone call on the year occurred. From 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 05-10-2017 about Debt collection (Credit card debt) with Colony Brands, Inc. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Two complaints 1. Number of calls 2.  Wo n't close account : I have a  XXXX   XXXX  card that I got delinquent on. Over a year goes by, account should be closed but it is not. I sent a written letter to  XXXX , along with the card, telling them to close the account and send a final statement. Almost a year after that, I am still receiving monthly statements steadily climbing higher because of late fees and interest. While this is going on, they are calling me up to 7 times a day, mostly 6 days a week. They are calling my mother in Alabama, my father, my grandmother, my uncle. And that 's just the ones I know about. I decided to try to pay the debt off on my own recently, sent another written request to close the account, saying I would make weekly payments until paid in full, and to stop calling me unnecessarily because I would file a complaint . Two payment s have cleared in a row, steadily getting phone calls from them, and they wont close the account. Got a statement in a couple days ago where I am charged yet another late fee and interest. My grandmother told me she got another phone call from them. She tells them there is nobody there by that name, but they continue to call. I am going to continue to make my weekly payments, but I want the account closed because if they charge a late fee each time of {$15.00}, my {$25.00} payment on a {$700.00} balance will never be paid off

Company response to consumer: Closed with explanation