milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Unsolicited issuance of credit card

Complaint: I recently received a copy of my XXXX and XXXX credit report. My credit has been compromised in which I had a fraudulent account opened under my name and credit has been compromised. The credit report shows a XXXX credit inquiry by your company of which I did n't authorize. I have disputed multiple times and it is not being removed, according to the credit bureaus it keeps getting verified. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to find a rental apartment. I have applied to numerous apartments and credit and due to the credit inquiries keep getting denied. If I ca n't get an apartment due to this I would be homeless with my XXXX year old daughter. They keep saying I applied however I had my identity comprised in which I had a fraudulent XXXX account under my name which was verified and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I used a hospital XXXX service earlier this year. All costs were disclosed to me in writing, and all were settled. Months later I receive a bill from a phony " physician management company. '' I never even saw a physician. I found out that this XXXX LLC company does NOT exist under the laws of that state according to their Department of State.There is no such name as XXXX XXXX XXXX XXXX. They listed a p.o. box as their address, which is not allowed. Now this phony company has contracted with a debt collector, Transworld Systems , Inc., to collect on a fake debt. The state of XXXX tells me that this company is actually a front for a XXXX Corporation System, XXXX XXXX XXXX, XXXX XXXX XXXX. This phony " physician management company '' is in collusion with debt collectors and both are preying on people and trying to extort money for services never received. If there is no company, then there is no debt, and both this bogus company and the debt collectors are guilty of theft by fraud. Please break up this ring of thievery and please prosecute these people.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Closing on a mortgage

Complaint: I applied for a  Dreamaker Opportunity  mortgage loan with Chase Bank.     I was approved for the loan and I locked in a 4.0 % rate for 60 days in a  Lock-In Agreement. 2  weeks later, I was issued a Mortgage  Commitment Letter  which states an interest rate of 4.375 % with discount points of .375 %. The  Commitment Letter als o states that our interest rate and discount points are determined by our  Lock-In Agreement. I p ointed out to our  Loan Officer  that the rate did not state 4.0 % but he told us that it meant our rate would be 4.0 % after we paid the .375 % discount points.     This l oan officer repea tedly told me that our rate was 4.0 %.     Today, we are   two weeks before the expiration of our Lock-In Agreement and our loan officer has told us that Chase will not honor our Lock-In Agreement rate of 4.0 %.
A loan processing agent explained to us that there was a " glitch '' and that some time after our Lock-In Agreement was issued our application was bounced back and put into a conventional non   -1st time  home owner loan, which does not offer the 4.0 % rate.     This " gitch '' was never communicated to us, neither was the new 4.375 % rate, till today which  is two  weeks prior to our closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX ( DOB XX/XX/XXXX ). Today on XX/XX/XXXX I had called Experian to follow-up on the process of my disputes. I originally contacted Experian and wrote them a letter via mail asking them to dispute three accounts on XX/XX/XXXX. They sent me a letter back on XX/XX/XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet heard back from Experian. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be  immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XX/XX/XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from Experian through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, 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 10/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I graduated with my XXXX in XXXX. Because of the rigorous nature of the program, I had to take out loans both for tuition, but also for medical supplies and living costs. Because of this my debt is now over $ XXXX. I am on the XXXX plan and because of my low first-year salary as a resident ( $ XXXX ) my current payments are {$0.00}. However, given the nature of the XXXX plan, I will have to pay taxes on the remaining balance, which means I will have to make a monthly payment plus put a certain amount of money away each month in order to pay that tax burden in XXXX. This amounts to {$1200.00} a month for the next 20 years. When I get my raise next year for my second year of residency ( $ XXXX ), this amounts to 24 % of my income which is not ideal nor sustainable. My repayment plan is as ideal as it can get for my situation ; refinancing is not an option because I need the reassurance that I will only have to pay a fixed amount of my income should my financial situation change drastically for any reason. My school is not doing due diligence to lower tuition and other costs to assure that students are able to pay back loans and succeed in their field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Billing disputes

Complaint: I regularly make on time payments online to the credit card " XXXX '', fromantic XXXX. For some reason, a payment I made online in XXXX was not taken from my bank account. When I called to find out what had happened, the employee I spoke with said he saw the payment and to " give it a few days ''. So, I waited, and saw that it still had not withdrawn. I called back and the employee I spoke to asked which website I paid on. Apparently, according to him, they sent out emails that the website changed. I received no email, and told them I ticked on the card 's site " Paper Mail Only '' option. He said that the company decided to send emails because it was " so sudden a change ''. Yet, I was still able to make payments online on the old site. Unfortunately the payments did n't take. There were no disclaimers or notices on the old site that they changed addresses. The employees I spoke with previously did n't even mention the site change. I disputed with them, and they eventually admitted fault and refunded my late fees and took the payment. However, the credit reporting was reported as over limit with a number that did n't even reflect my balance. I called to dispute it again, and they said it would be taken care of. As of XXXX, nothing was done, and the balance still did n't match the reporting. I had a balance of XXXX, yet they reported it as XXXX. They were also reporting me as 30,60,90 days past due. I disputed with trans union and they found my claims to be correct. NOTHING has changed on the credit reporting as of today, XXXX/XXXX/2015. My credit has been SEVERELY damaged because of this. Now, they are saying my payments do not go through online because of an incorrect account number, yet, nothing is wrong. After disputing it YET AGAIN, they refunded the late fees and took my payment over the phone ( at a XXXX phone pay fee ). Now, my payment was due yesterday, but still has n't posted on my bank account. I double checked my account info on their website and it is correct. I have a feeling they are going to try to get me to pay for the over the phone fee yet again. This is criminal practice. The last rep I spoke with told me that being over balance would n't hurt my credit, then proceeded to ask me personal questions about where I live. This is illegal, is it not? I want my credit back, these criminals held accountable, and this balance fixed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with Alliance Data Card Services (NV).
Issue: Advertising and marketing

Complaint: On  XXXX   XXXX , I paid {$1000.00} to my  XXXX   XXXX  card with Comenity bank. The language on the site says that payment posted prior to  XXXX  EDT will be posted the same day. On  XXXX   XXXX , i checked my account online and saw the {$1700.00} in available credit (  XXXX  previously plus  XXXX  payment ). When i attemped a transaction it was rejected. I call the customer service number and again was told I had  XXXX  in available credit through the automated system. The agent on the phone also said thay, but said it was " really '' available. I spoke with the supervisor  XXXX  in Kansas, and she said I would not have any available credit until the payment processed. I asked if there was anywhere where this was disclosed and was told no. She agreed that the wording on the website could be misleading, but I would just have to wait for the payment to process.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX 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 explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hello, On XXXX XXXX 2017 I went to XXXX and asked to hold a dog so I could see if I could purchase the dog the following day. Without telling me they signed me up for a XXXX XXXX credit card and charged me {$3000.00} dollars to that account.I was rushed through signing paperwork I thought was just for holding the dog and they failed to explain what I was signing.They didnt even give me a receipt or any paperwork informing me of what happened. I originally disputed the charge with the store but they said they could not do anything so I disputed the charge with the bank. It has been now 2 months exactly, 60 days from the day I write this and I havent been given a response. All I have is a provisional credit on the account. Attached is a cancellation from a loan that was placed with this unauthorized purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Medical) with Credence Resource Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife received a bill from a collection agency. Credence XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX for {$110.00}. The payment was to be Remit to : Credence Resource Management LLC, XXXX XXXX, XXXX, XXXX XXXX. 
Name : XXXX XXXX Creditor : XXXX XXXX XXXX Creditor Account No : XXXX Credence Reference ID : XXXX Balance Due : {$110.00} XXXX nor I have had any XXXX service in over 2 years and never received any bill. Our Insurance covered that XXXX service at the time. 

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, Equifax & XXXX. No one will remove this inaccurate information form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Hello. The problem I 'm experiencing is with Central Financial Control d.b.a. Syndicated Office Systems. I contacted C.F.C. and paid the debts that they showed ; however, XXXX is showing debts that S.O.S. has and they have not contacted me ; I 've called the phone number they have on available websites and they did not have those debts listed in their records for me to pay. I have no doubt that these are my debts, but I can not make a payment to/pay off a debt that I no one will give me any way to do so. I have noticed that there a quite a lot of people making complaints that they are having the same problem. I WANT to pay these debts! I want them removed from my credit report! But I can not do so if I have no way of contacting them. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Chase Mortgage company to report I would have a difficult time paying my mortgage for that month due to family medical issues. There web site says contact us if you are going to have problems paying your payments so that they can help. When I called I was told there is no program for a person missing one payment and that it would hurt my credit but would not cause me to lose my house if I worked on paying it back. Due to the ongoing medical issue I was unable to make the XX/XX/XXXX payment and I called again, they said they could help once I fill out a packet they were going to send me and that I could lose my home if it 's not paid in 5 months. I got the packet and it was so overwhelming I thought I was buying a house all over again, not user friendly and for a man who 's wife has been in and out of the hospital during the course of this process it was next to impossible for me to get this done when I count on my wife to do this stuff for me when I 'm at work. So I have filled to have a chunk of my retirement released from a XXXX plan, I have since been trying to pay my XX/XX/XXXX mortgage payment and the first time on XX/XX/XXXX they provide a confirmation number and said it would be taken out. After about 5 days and the money not coming out I call to find out what happened and they told me it was returned for NSF but there is no indication of that on my account and the money was in the account, another payment was scheduled with conformation number XXXX, this payment did n't come out I called back and set up another after complaining that I feel my bank is setting me up to lose my home they assured me that 's not the case and that the money would come out XX/XX/XXXX confirmation number XXXX this money still has not come out of our account. I get a letter on XX/XX/XXXX stating that if I do n't pay my outstanding balance by XXXX that they will start the foreclosure process. I 'm doing everything I can to make this right and have tried from the day I found out I would n't be able to pay my mortgage payment, I am a professional who is employed with the same employer for 2 years and make XXXX a year I just need some help for the family issue we had. I owe the money and any penalties that go with that but I need to be able to work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Through XXXX XXXX XXXX XXXX I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the XXXX XXXX XXXX directly, as instructed, and advised each time I call XXXX that they have not been notified. This has caused me to be unable to return to school and ruined my credit.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed directly with bureau ... transunion still is reporting. XXXX XXXX has disputed account, as well. XXXX XXXX medical collection of {$200.00} is not correct. I have verified with XXXX. XXXX 's XXXX that I do not have a balance and have never owed the office any amount that has turned into a medical collection.

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 09-01-2015 about Debt collection (I do not know) with Premier Recovery Group (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received a phone call from a company called XXXX. They called today and made a threatening phone call that I have a check from 2008 that needs to be paid. Stated that they will turn it in to my sherriff 's dept if I do not resolve it tonight. He also stated that he needs a statement from my attorney to release me?? The gentleman on the phone was no gentleman. He was very rude. Would not let me talk. I asked for detailed information. He stated he does not need to send me detailed information as it was public record. He has my bank information, my ssn, very private information. This is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Closing on a mortgage

Complaint: I am  XXXX   XXXX  military and have been trying to sell my home in a short sale due to permanent change of station orders. I also have a second mortgage on the home with  XXXX , and the first mortgage with Chase has   XXXX   XXXX    as the investor.     We have had to get the short sale approved  4 different times in order to close. This last time to try and get it closed, Chase  has told us that they are instituting new internal processes which add more quality control checks to the pipeline time that it takes for us to get the information that we need in order to sell our home and get out from underneath all of the debt that we have. We have escalated the review of the file with the investor,   XXXX   XXXX  , with the Military Escalation line with Chase, with the  Executive Office with Chase,  with as many managers as we could get a hold of, and an Assistant Vice President of the Short Sale Department.     We are asking the Consumer Financial Protection Bureau to come down hard  on Chase an d allow us to sell our home and move on with our lives. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with Procollect Services LLC (ND).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I XXXX 2015 we recieved notice from a local collection agency that a garnishment was about to start. We never recieved any bills from this collection agency prior. We never recieved a court summons nor were we served. No serve notice from as sheriff or by certified mail. We were in the dark. 
We took this notice of garnishment to the collection company and were refused copies of a serve notice and refused copies of the bills. We were not permitted to speak with anyone in private over the matter and they made us announce all of our problems to the world at a desk in the lobby. We were belittled by the manager. They have since taken the money as well as more then they were suppose to garnish. And are now holding the overpayment with a threat of not returning it. We have XXXX children and are now behind on our mortgage, have been eating out of food pantry 's and are faced with our Electric and phones being shut off because these people took up to {$1000.00} a month from our pay since last XXXX. If we had been properly served we would have gone into court and fought them and the original debtor over the bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an account with XXXX that has been sold to a company, this account has been re-aged I have the original last bill and the dates are not the same I have asked multiple times for the creditor and the credit agencies to remove this and they have ignored my multiple attempts to have this corrected and removed from my credit

Company response to consumer: Closed with explanation